AI summary
Compliance & Risk Testing Manager role at Zip, a digital financial services company offering point-of-sale credit and digital payments, focused on strengthening second line oversight across bank partner compliance programs and internal controls. You’ll lead and execute compliance/controls testing, identify gaps and emerging risks, and partner cross-functionally to drive remediation and scalable risk management. Standout perk: a remote-first setup for US employees with the option to work from the Manhattan (Union Square) office.
Key skills
Second line compliance and controls testingTILA compliance testingUDAAP compliance testingFCRA compliance testingControl design and operating effectiveness assessmentsBank partner oversight requirementsCompliance risk management frameworksGRC/workflow and reporting toolsData analysis for compliance monitoringExecutive-ready testing reports and issue summaries
Salary not listed — comparable New York Compliance & Risk Testing Manager roles in regulated fintech/banking typically pay around $130k–$170k base, often plus bonus.
You'll thrive here if you enjoy hands-on compliance testing in a fast-paced regulated fintech environment and can proactively spot control gaps, communicate clearly, and drive remediation with cross-functional partners.
Why apply
- Remote-first with Manhattan office option
- Flexible working culture
- Leading family support policies
5-7 years of compliance, risk, controls testing, or second line oversight experience within regulated financial services, fintech, banking, lending, or payments environments
Strong experience executing compliance testing programs (TILA, UDAAP, FCRA, etc.), evaluating control effectiveness, and identifying regulatory and operational risk gaps
Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office
Zip is looking for a Compliance & Risk Testing Manager to join our Compliance & Risk organization and help strengthen our second line oversight capabilities across our bank partner compliance programs and internal control environment. This role will play a critical part in assessing the effectiveness of controls, identifying gaps and emerging risks, and helping drive a strong culture of compliance and accountability across the business.
You will partner closely with Compliance, Risk, Product, Operations, Legal, and business stakeholders to execute testing activities that evaluate adherence to regulatory obligations, bank partner requirements, and internal policies and procedures. This role is ideal for someone who thrives in fast-paced and highly regulated environments, has strong analytical and investigative capabilities, and brings a proactive mindset toward continuous improvement and scalable risk management practices.
Our Compliance & Risk team operates as a strategic partner to the business, enabling sustainable growth while maintaining strong governance and customer trust. We are looking for someone who combines deep testing and controls expertise with curiosity, collaboration, and operational rigor.
Lead and execute second line compliance and controls testing activities across key business processes and regulatory obligations
Assess the design and operational effectiveness of controls tied to bank partner requirements, regulatory expectations, and internal policies
Identify control gaps, compliance risks, and process weaknesses and provide actionable recommendations for remediation
Partner cross-functionally with Compliance, Risk, Product, Operations, Legal, and business teams to validate corrective actions and strengthen controls
Support the development and enhancement of risk-based testing methodologies, testing scripts, and reporting frameworks
Contribute to ongoing governance initiatives that improve risk visibility, operational discipline, and compliance maturity
Leverage data, reporting tools, and emerging technologies including AI-enabled analysis tools to improve testing efficiency, monitoring, and issue identification
Help foster a strong risk and compliance culture aligned with Zip’s values of Customer First, Own It, Stronger Together, and Change the Game
5-7 years of experience in compliance testing, controls testing, internal audit, risk management, or second line oversight within fintech, banking, payments, lending, or other regulated financial services environments
Strong understanding of compliance risk management frameworks, controls testing methodologies, and regulatory oversight practices
Experience evaluating operational and compliance controls tied to bank partner oversight requirements
Experience using data analysis, reporting, workflow, or GRC tools to support testing execution and issue management
Familiarity with AI-enabled tools, automation capabilities, or data-driven testing approaches and the ability to apply technology thoughtfully within compliance and risk workflows
Strong written communication skills with experience developing testing reports, issue summaries, and executive-ready documentation
Bachelor’s degree in Business, Finance, Risk Management, Accounting, or a related field preferred
Flexible working culture
Leading family support policies
Beautiful Union Square office with a casual dress code
Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.
Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits.
*If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.
Be a part of a team that reflects the diversity of our customers
We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.
Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.
Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.
I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify program. #LI-Remote
Strong experience executing compliance testing programs (TILA, UDAAP, FCRA, etc.), evaluating control effectiveness, and identifying regulatory and operational risk gaps
Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office
Zip is looking for a Compliance & Risk Testing Manager to join our Compliance & Risk organization and help strengthen our second line oversight capabilities across our bank partner compliance programs and internal control environment. This role will play a critical part in assessing the effectiveness of controls, identifying gaps and emerging risks, and helping drive a strong culture of compliance and accountability across the business.
You will partner closely with Compliance, Risk, Product, Operations, Legal, and business stakeholders to execute testing activities that evaluate adherence to regulatory obligations, bank partner requirements, and internal policies and procedures. This role is ideal for someone who thrives in fast-paced and highly regulated environments, has strong analytical and investigative capabilities, and brings a proactive mindset toward continuous improvement and scalable risk management practices.
Our Compliance & Risk team operates as a strategic partner to the business, enabling sustainable growth while maintaining strong governance and customer trust. We are looking for someone who combines deep testing and controls expertise with curiosity, collaboration, and operational rigor.
Lead and execute second line compliance and controls testing activities across key business processes and regulatory obligations
Assess the design and operational effectiveness of controls tied to bank partner requirements, regulatory expectations, and internal policies
Identify control gaps, compliance risks, and process weaknesses and provide actionable recommendations for remediation
Partner cross-functionally with Compliance, Risk, Product, Operations, Legal, and business teams to validate corrective actions and strengthen controls
Support the development and enhancement of risk-based testing methodologies, testing scripts, and reporting frameworks
Contribute to ongoing governance initiatives that improve risk visibility, operational discipline, and compliance maturity
Leverage data, reporting tools, and emerging technologies including AI-enabled analysis tools to improve testing efficiency, monitoring, and issue identification
Help foster a strong risk and compliance culture aligned with Zip’s values of Customer First, Own It, Stronger Together, and Change the Game
5-7 years of experience in compliance testing, controls testing, internal audit, risk management, or second line oversight within fintech, banking, payments, lending, or other regulated financial services environments
Strong understanding of compliance risk management frameworks, controls testing methodologies, and regulatory oversight practices
Experience evaluating operational and compliance controls tied to bank partner oversight requirements
Experience using data analysis, reporting, workflow, or GRC tools to support testing execution and issue management
Familiarity with AI-enabled tools, automation capabilities, or data-driven testing approaches and the ability to apply technology thoughtfully within compliance and risk workflows
Strong written communication skills with experience developing testing reports, issue summaries, and executive-ready documentation
Bachelor’s degree in Business, Finance, Risk Management, Accounting, or a related field preferred
Flexible working culture
Leading family support policies
Beautiful Union Square office with a casual dress code
Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.
Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits.
*If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.
Be a part of a team that reflects the diversity of our customers
We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.
Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.
Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.
I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify program. #LI-Remote