Collectors

Collectors

Head of Risk and Compliance

Santa Ana, CA · Full-time

No sponsorship$197k-$280kDetected 15 days ago
Machine LearningComplianceValuationAuditingCustomer SupportLeadershipCommunicationInternal AuditUnderwriting

About the role

  • Collectors is the leading creator of innovative technology that provides value-added services for collectors worldwide.
  • We're always on the lookout for talented people to join our growing team.
  • Our services span collectible trading cards, autographs, comic books, coins, video games, event tickets, and memorabilia.

Responsibilities

  • Compliance management system. Design, implement, and own the end-to-end compliance management system (CMS) for the FS business - governance, policies and procedures, monitoring and testing, complaint management, issue remediation, and change management.
  • Build the program to comply with applicable lending regulations, including TILA / Regulation Z, ECOA / Regulation B and fair-lending obligations, FCRA / credit-reporting requirements, UDAAP standards, GLBA privacy and safeguards, SCRA / Military Lending Act considerations, FDCPA-aligned servicing and collections practices, and state usury and rate limitations.
  • Licensing & regulatory strategy. Determine and execute the licensing approach (e.g., state lending / financing licenses or a bank-partnership model), maintain the licensing calendar, and serve as the primary relationship owner for regulators and examiners.
  • Bank-partner & third-party oversight. Where products are delivered through a sponsor bank or other partners, own the partner-oversight and vendor-risk program to meet third-party risk-management expectations.
  • Partner with FS product and finance leaders on underwriting policy, credit-risk appetite, LTV and concentration limits, and, for asset-backed lending, collateral valuation, custody controls, and default / liquidation procedures for vaulted assets.
  • Enterprise fraud strategy. Define and own the fraud-prevention strategy across Marketplace and Power Packs, balancing loss reduction against customer friction and conversion.
  • Own the risk and compliance posture for randomized / chance-based offerings - odds disclosure and transparency, eligibility and age controls, sweepstakes / gaming and state-by-state regulatory analysis, and terms-of-service alignment - working closely with Legal.
  • Audit & examination readiness. Maintain documentation, controls evidence, and a state of readiness for internal audit, external audit, regulatory examination, and IPO-related diligence; coordinate with SOX and internal-controls efforts.
  • Policy, training & culture. Author enterprise risk and compliance policies, deliver targeted training, and embed a practical risk-aware culture across product and operating teams.
  • Cross-functional partnership. Operate as a trusted partner to Legal, Finance, Marketplace, FS Product, Engineering, Trust & Safety, Customer Service, and the grading brands - turning requirements into controls the business can actually run.

Requirements

  • 12+ years of progressive experience in risk and compliance, with senior leadership tenure spanning both regulated consumer lending / fintech and payments or marketplace fraud.
  • Demonstrated, hands-on knowledge of the U.S. consumer-lending regulatory framework (TILA / Reg Z, ECOA / Reg B, FCRA, UDAAP, GLBA, state licensing and usury) and of BSA / AML, KYC, and OFAC requirements.
  • Experience leading fraud strategy and detection in a high-volume, high-AOV consumer environment, working directly with data, product, and engineering teams on rules and ML-based decisioning.
  • Your recruiter will be able to clarify expectations and answer any questions you have.
  • Candidates must be authorized to work in the United States.
  • Track record building a compliance management system or fraud-prevention function from an early stage and scaling it - not solely operating a mature, inherited program.

Nice to have

  • Experience in a pre-IPO or newly public company, including audit, SOX, and underwriter / regulatory diligence.
  • Exposure to asset-backed or collateralized lending, custody / vaulting, or lending against alternative or high-value assets.
  • Familiarity with bank-partnership (sponsor-bank) lending models and third-party / vendor risk management.
  • Knowledge of sweepstakes, gaming, or chance-based product regulation across U.S. states.
  • Relevant certifications e.g., CAMS (AML), CRCM (regulatory compliance), CFE (fraud), or CRCMP.
  • JD or advanced degree in a related field is a plus

Compensation

  • The salary range for this position is $197,217 - $280,146.
  • Actual compensation on this range varies based on a variety of non-discriminatory factors, including location, job level, experience, and skill set.
  • This role may be eligible for bonuses, commissions, or other forms of compensation, please ask your recruiter for details.
  • Holiday Pay: All regular, full-time employees are eligible for ten company paid holidays

Benefits

  • Full-time employees are eligible for fertility, commuter, and educational assistance benefits
  • Vacation: All salaried employees are eligible for flexible time-off
  • Holiday Pay: All regular, full-time employees are eligible for ten company paid holidays
  • Flexible Hours: Many of our teams offer flexible schedules with varying shifts and will work with you to accommodate your needs
  • Fun Working Environment: Our team members are invited to participate in celebrations, holiday events, and team building activities

Company info

  • All regular, full-time employees are eligible for ten company paid holidays
  • our emerging Financial Services (FS) business unit, where debt and lending products are the current focus, and fraud prevention across our core Marketplace and Power Packs offerings.
  • We are proud to offer a competitive 401k matching plan to our employees to support their future financial goals
  • We are aware that there are instances where individuals are receiving job offers that fraudulently allege to be from Collectors or one of our business units.

Visa & Work Authorization

  • Candidates must be authorized to work in the United States.
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This listing is sourced directly from Collectors's careers page and normalized into a canonical job model.