Compliance Analyst

About Sezzle

Sezzle is on a mission to empower the next generation financially by revolutionizing how people shop and pay. We integrate innovative technology with interest-free installment plans, creating a smarter, more accessible shopping experience. Our goal extends beyond payments—we aim to transform the entire shopping journey while boosting merchant sales through increased conversions and larger order values. We strive to build an inventive, dynamic team passionate about creating meaningful impact for both consumers and merchants.

Role Overview

The Compliance Analyst will join Sezzle's Compliance Team to provide detailed, proactive support with regulatory adherence and operational oversight. This second-line role involves translating regulations into actionable guidance, conducting compliance reviews, and preparing documentation and reports suited for governance purposes. The analyst will ensure compliance with regulatory standards while aiding development of internal policies and fostering a culture centered on integrity and accountability.

Key Responsibilities

• Offer advisory support to business units on consumer finance and payment regulations, documenting guidance and follow-ups.
• Manage intake, tracking, and completion of compliance operations work including advisory requests, reviews, and case handling according to defined workflows and evidence standards.
• Conduct second-line oversight of complaint handling for high-risk channels and contribute to analysis of complaint trends and root causes.
• Maintain issue and action logs under issues management governance, validate remediation plans, monitor progress, and support closure processes.
• Audit change management initiatives for compliance impact, control readiness, and necessary approvals.
• Review marketing and customer communication materials pre-use to identify disclosures and risks such as UDAAP and fair lending.
• Assist with compliance assessments for new products and major initiatives, coordinating inputs and monitoring launch conditions.
• Support third-party compliance efforts related to customer-facing vendors through due diligence documentation, contract tracking, and ongoing monitoring.
• Participate in Financial Crimes Compliance operations, including transaction monitoring, alerts and case reviews, consistent with procedures.
• Assist sanctions and watchlist screening processes, reviewing potential matches and managing documentation and escalation.
• Contribute to Customer Identification Program and Customer Due Diligence activities by managing exceptions, remediation, and control testing.
• Help prepare, document, and review Suspicious Activity Report narratives and evidence, coordinating with investigators and escalating as needed.
• Advise on financial crimes regulations and control expectations for products and operations, document related guidance and decisions.
• Assist with responses to subpoenas, regulatory requests, and FinCEN Section 314(a) inquiries.
• Prepare clear, governance-ready reports and memos for leadership covering metrics, themes, and escalations.
• Support data gathering and reporting for regulatory exams, audits, and supervisory events.
• Contribute to other assigned compliance projects and initiatives.

Qualifications

• Proactive, adaptable self-starter able to work alone or collaboratively.
• Comprehensive understanding of regulations governing consumer financial products, including financial crimes laws such as BSA/AML and OFAC.
• Experience in compliance operations, risk management, quality assurance, or control functions involving planning, analysis, and reporting.
• Excellent written communication skills for clear documentation and reporting.
• Strong organizational and project management capabilities to prioritize multiple tasks effectively.
• Analytical mindset with sound judgment to suggest practical risk mitigation strategies.
• Effective interpersonal skills to collaborate with stakeholders across levels and advocate for risk reduction and control improvements.
• High ethical standards and integrity, with readiness to raise concerns when necessary.
• Familiarity with financial crime compliance procedures, including monitoring, alert management, sanctions screening, and due diligence or quick learning aptitude.
• Comfortable handling large datasets and structured review processes.

Education and Experience

• Bachelor's degree or higher in accounting, finance, business administration, legal studies, information systems, or related areas.
• At least 3 years of relevant experience in consumer finance, fintech, banking, or similarly regulated sectors preferred.
• Certifications in financial industry compliance (e.g. CAMS) are a plus.
• Prior exposure to complaint and issue management, marketing compliance, product assessment, or financial crimes compliance highly advantageous.

Personal Attributes

• Exceptionally high standards driving quality and continuous improvement.
• Innovative thinker willing to challenge norms and find novel solutions.
• Action-oriented decision maker comfortable with calculated risks.
• Earns trust through candid and respectful interactions.
• Possesses courage to respectfully challenge decisions and fully commit once decisions are made.
• Reliable in delivering timely, quality results despite obstacles.

Compensation

The monthly gross salary for this position ranges from $1800 to $2100 USD.