Compliance Analyst

About Sezzle

Sezzle is dedicated to empowering the next generation financially by enhancing the shopping experience beyond traditional payments. Through advanced technology, Sezzle offers seamless, interest-free installment plans that make shopping more accessible and intelligent. Our mission is to revolutionize how consumers find, engage with, and purchase products while boosting merchant sales via higher conversions and order values. As fintech and retail evolve, we are assembling a forward-thinking team eager to innovate and provide exceptional value to consumers and merchants.

Role Overview

We are looking for a meticulous and proactive Compliance Analyst to join our Compliance Team. This position is responsible for providing second-line review and daily advisory support across various business areas by interpreting regulations into actionable guidance, executing operational compliance assessments, and generating thorough governance documentation and reports. The role is vital for ensuring regulatory compliance and aiding in the formulation of internal policies, standards, and procedures, while promoting a culture of integrity and accountability within the company.

Key Responsibilities

• Offer compliance guidance to business units on consumer finance and payment regulations, documenting advice, decisions, and follow-up actions.
• Manage and track Compliance Operations, Advisory, and Financial Crimes Compliance activities, including requests, reviews, alerts, cases, and corresponding actions using established workflows.
• Conduct second-line oversight reviews on complaint handling for higher-risk channels and analyze complaint trends and root causes.
• Maintain issue and action logs for issue management governance, validate remediation plans, and monitor resolution progress.
• Participate in change management oversight by evaluating initiatives for compliance impact, control readiness, and necessary approvals or escalations.
• Perform pre-use compliance reviews of marketing materials and customer communications, identifying required disclosures and risks such as UDAAP and fair lending concerns.
• Assist in compliance assessments during product development for new offerings and significant initiatives; coordinate inputs, document risk and control information, and monitor launch conditions.
• Support third-party compliance efforts by assisting with due diligence documentation, contract requirements tracking, and ongoing vendor monitoring.
• Support Financial Crimes Compliance tasks including BSA/AML transaction monitoring, alert and case reviews, and appropriately managing dispositions.
• Assist with sanctions and OFAC screening, reviewing potential matches, documenting outcomes, and escalating confirmed or probable matches.
• Help with Customer Identification Program and Customer Due Diligence activities, including managing exceptions, remediation, and control testing.
• Provide assistance in drafting, reviewing, and coordinating Suspicious Activity Reports and related evidence, escalating issues when necessary.
• Advise business partners on financial crime compliance controls and requirements for products and operations, documenting guidance and decisions.
• Support responses to subpoenas and regulatory requests including FinCEN Section 314(a) inquiries.
• Prepare concise memos and governance-suitable summaries, focusing on relevant metrics, themes, and escalations for leadership reporting.
• Collect and provide documentation for regulatory reviews, audits, and supervisory activities.
• Contribute to additional compliance projects and initiatives as assigned.

Qualifications

• Self-driven, adaptable, and effective working independently or within teams.
• Strong knowledge of regulatory frameworks relevant to consumer finance and payments, including financial crime laws such as BSA/AML, USA PATRIOT Act, and OFAC sanctions.
• Experience in compliance operations, risk management, quality assurance, or oversight roles involving planning, documentation, analysis, and reporting.
• Excellent written communication skills with the ability to produce clear documentation, memos, and evidence packages.
• Strong organizational and project management skills to handle multiple priorities efficiently.
• Analytical mindset with sound judgment and a proactive approach to mitigating risk and improving controls.
• Effective interpersonal skills to engage stakeholders at various levels and to challenge and consult constructively.
• High ethical standards with the willingness to escalate concerns as necessary.
• Familiarity with Financial Crimes Compliance operational procedures such as transaction monitoring, alert/case management, sanctions screening, and CIP/CDD or the capacity to learn quickly.
• Comfortable working with large datasets and structured workflows.

Education & Experience

• Bachelor’s degree or higher in accounting, finance, business administration, legal studies, information systems, or a related discipline.
• At least three years of professional experience in regulated sectors such as consumer finance, fintech, or banking preferred.
• Relevant certifications like CAMS advantageous.
• Experience in complaint management oversight, compliance issues and change management, marketing reviews, product compliance, financial crime compliance, or third-party oversight is highly valued.

About You

• You uphold exceptionally high standards, consistently striving to improve and ensuring issues are permanently resolved.
• You are innovative, seeking new methods and solutions beyond accepted norms.
• You thrive on taking action swiftly, valuing timely decisions even when reversible.
• You build trust through attentive listening, candid communication, and respectful interactions.
• You have the courage to challenge decisions respectfully when needed and fully support final outcomes.
• You focus on delivering quality results promptly and persevere despite obstacles.

Compensation

The monthly gross salary for this contract position ranges between $1,800 and $2,100 USD.