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Opy USA is part of the Openpay Group Family (ASX: OPY).  We are an omni-channel payment solution that provides customers with flexible, interest-free payment plans, in-store, online and through the Openpay App. Available in Australia, New Zealand, and the UK, we are preparing for our US launch, where we will help people pay smarter across loads of industries including retail, healthcare, automotive, home improvement and more.

In doing so we're changing the way people pay, for the better, and we'd love you to join us in our mission. As an established Australian business, we're continuing to supercharge our growth by turning the US market Amber. That's right, “Aussie Amber” (our marketing team nailed that one!) This Amberfication is supported by our growing US team and we are looking for an experienced  Compliance Lead to join us.

We're changing the way people pay, for the better, and we'd love you to join us on our mission. You will have a rare opportunity to join both an established multi-national business while at the same time getting to be part of something brand new as we stand up our US business to supercharge our growth. 

At Opy, we're more than just a “buy now pay later” (BNPL) offering. We're offering next evolution payment and lending solutions. What we call, “buy now pay smarter."

About the opportunity

In this role, you will be responsible for designing and implementing a US Consumer Protection and Privacy Program, across OPY US products and services.

Here are some of the other important tasks you'll undertake:

• Ensure OPY US Product ecosystem – existing and planned – includes accurate disclosures, complies with local consumer regulation; 
• Identify and monitor, regulatory and industry developments within broader compliance and lending space to ensure changes are implemented, in collaboration with OPY Legal
• Create, execute, and manage responses to key public policy issues. Drive policy programs through coordination mechanisms between internal/external stakeholders
• Maintain and implement policies/processes to enable consistent & effective privacy practices to minimize risk and ensure confidentiality of customer data; ensure privacy forms, policies, standards, and procedures are up-to-date
• Lead partnership with product mgmt., marketing functions, and external partnerships providing customer-centric advice in implementing customer protection processes
• Establish comprehensive customer complaints program to identify, classify, resolve complaints and perform regulator trending for root causes
• Manage internal and external stakeholders for audits, inspections and examinations and ensuring findings are remediated appropriately
• Responsible for engagement with industry, government or regulators and ensure all reporting obligations are identified and completed timely

About you

We believe every new Opy team member has an opportunity to add to our culture – we're a vibrant team of Podcasters, Ultra-Marathoners, Dancers, Gin-Distillers, Students, Marshall-Artists and more.  We're looking for a talented inidual who will thrive, being part of a erse and ever changing team.

Being part of a rapidly growing Fintech means you'll need to be self-starter with high energy, motivation and a focus on achieving targets. You'll crave the unknown and be excited by the opportunity to challenge yourself every day. As we grow, we change, so you'll be flexible and willing to evolve as our systems and processes do. Always tenacious, you'll relentlessly pursue opportunities and will be quick to bounce back if you encounter a setback. Most importantly, you'll be kind. Our team appreciate each other and support each other (particularly this year) so you'll want to be part of that team spirit.

The skills and experience you'll bring to this role include:

• Bachelor's Legal degree or equivalent experience in Compliance or Professional degree or certification preferred
• 5-10+ years' relevant work experience in FinTech / Payment industry with experience in financial compliance , legal requirements regulations
• Knowledge of Consumer Protection Compliance in Financial Services, and other related financial regulations within US (e.g., Payments' regulations, Lending regulations)
• Strong understanding of the consumer credit and financing markets, including BNPL and credit cards, virtual cards, and associated rules and regulations
• Strong public policy, legislative and regulatory research skills
• Experience as a Subject Matter Expert in designing Consumer Compliance programs, creating business requirements from first principles, advising in the creation of technical specifications, working with Product/Engineering/Data Science in building end-to-end systems, and performing monitoring and adjustments as needed
• Experience working hands-on with cross-functional teams, like lawyers, engineers, product managers, data analysts, operations analysts in building consumer protection processes and systems
• Willingness to roll up sleeves in a start-up like environment
• Ability to adapt to fast growth and organizational expansion

If you like the sound of us, we'd love to get to know you!

At the moment our Team are working remotely, so we will onboard you from the comfort of home! We are serious about growing our presence in the US and this role will be critical in enabling that. We will support you to hit the ground running in our supportive and collaborative environment.

Opy USA is an equal opportunity employer and participant in the U.S. Federal E-Verify program.  We are committed to providing a working environment that embraces and values ersity and inclusion. Women, minorities, iniduals with disabilities and protected veterans are encouraged to apply. If you have any support or access requirements, we encourage you to advise us at time of application.

Opy USA will not accept emails, phone calls and CV's from recruiters. We've got this!