Flex is a growth-stage, NYC headquartered FinTech company that is building the payment layer for life's financial obligations, giving households one place to see, split, and pay their bills around how they live and get paid. By offering greater choice over how and when payments are made and allowing eligible on time payments to help build a positive credit history, Flex puts households back in control of their cash flow.

That work brings together people with different perspectives who challenge the status quo and take ownership of solving difficult problems. For you, that means doing the best work of your career next to people who make you better, and together bringing ideas to life that make a real impact for the people we serve.

About the Role

Flex is building a next-generation compliance function where AI-enabled systems and human expertise work together to scale regulatory oversight without slowing product innovation. As Associate Director, Product Compliance, you will be a senior individual contributor on the Product Compliance team, reporting to the Head of Product Compliance and partnering closely with Product, Engineering, Legal, Risk, Marketing, and bank partners to enable compliant innovation across Flex's lending and payments ecosystem.

This is a hands-on execution role, not a people leadership role. You will not run the team, manage staff, or own the function's strategy; the Head of Product Compliance owns those. You will carry the most complex advisory work yourself and make the function faster by running and improving AI-enabled review workflows, clear standards, and disciplined documentation rather than by adding headcount.

You will be responsible for:

Owning individual advisory reviews end to end for product launches, product changes, and marketing initiatives
Delivering fast, precise regulatory interpretation that is well documented and defensible
Operating and improving AI-enabled review workflows, automated monitoring, and compliance tooling in daily practice
Coordinating bank partner review and approval for products and consumer-facing content

What You Will Do

Carry advisory reviews for product launches, product changes, marketing initiatives, and emerging regulatory issues end to end, ensuring every decision is well documented and defensible.
Apply consumer protection regulations, including lending, payments, and fintech regulatory frameworks, directly to product design, disclosures, fee structures, and customer journeys.
Execute risk-tiered review processes and maintain the standards libraries, templates, and precedents that keep reviews fast, consistent, and reusable across the function.
Operate AI-assisted review systems and agent-based workflows in areas such as marketing compliance review, regulatory change monitoring, and product risk assessment. Check their output before it goes into a determination, and improve them based on what you see in daily use.
Conduct product risk assessments ahead of launch, identify gaps early, and drive them to resolution with product and engineering owners.
Partner with product and operations teams to investigate compliance issues, drive root-cause remediation, and strengthen preventative controls.
Coordinate day-to-day with bank partners on product and marketing approvals, producing documentation that withstands examiner and partner scrutiny.
Write review files so another reviewer can pick up the work, and turn repeat questions into templates and standards.
Raise the quality and turnaround bar by example: set precedent other reviewers reuse and mentor junior team members informally. This role carries no direct management responsibility.

Who You Are

8+ years of experience in product compliance, compliance advisory, or regulatory risk roles within fintech, consumer lending, payments, banking, or financial services.
A hands-on operator with high personal throughput: you own complex reviews yourself, document precisely, and are comfortable being accountable for outcomes without a team.
Deep working knowledge of consumer protection regulations for lending and payments, with a demonstrated ability to translate requirements into product guardrails that hold up under scrutiny.