Current Employees of Happen Bank: Please apply via your internal Workday Account

Happen Bank (formerly LendingClub) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.

About the Role

Happen Bank's Compliance Department is looking for a sharp, adaptable Lending Product Compliance Sr Manager to be a trusted advisor on the day-to-day compliance risks that come with every stage of the lending life cycle. In this role, you’ll advise on the laws, regulations, and regulatory rules that apply to our lending products and operations, and make sure the right controls are in place to mitigate those risks.

You’ll work across a broad range of operational areas, including marketing, applicant sourcing, application processing and underwriting, funding, account servicing, and partner oversight. Your regulatory focus will include ECOA, UDAAP, TILA, FCRA, MLA/SCRA, TCPA, GLBA, EFTA, ESIGN, and other federal and state lending-related laws and regulations.

If you thrive in a fast-moving, high-volume environment, enjoy juggling multiple projects and priorities, and like being the go-to partner for product and business teams, this role is for you. You’ll report directly to the Sr Director, Compliance Advisory.

What You'll Do

Partner with the Compliance Program Office to assess regulatory risk across lending product operations, spotting control gaps, flagging the areas of highest risk, and shaping practical mitigation strategies

Complete risk assessments that evaluate the quality of risk management across your areas of responsibility, and use your judgment to show leadership where controls are strong and where they need attention

Develop and maintain the policies, standards, and documented practices that set the principles of regulatory compliance for lending operations

Work side by side with business and product teams on multiple projects at once, including new launches, enhancements, and partner initiatives, to make sure they’re completed in a compliant way

Bring compliance principles to life by socializing them across the organization and helping build the procedures, controls, systems, and processes that put policy into practice

Help the Compliance Program Office develop regulation-based and role-based training on the laws, regulations, and policies that shape lending operations

Review testing and monitoring protocols to measure compliance with legal and regulatory requirements, and identify defects and deficiencies that need corrective action

Make sure material compliance issues, from any source, are recorded, tracked, and reported so they’re resolved appropriately and on time

Stay ahead of change by coordinating with Regulatory Change Management to identify new or updated laws, regulations, and guidance, then work with business leaders to operationalize requirements

Serve as a trusted point of contact for examiners and auditors reviewing our lending compliance efforts

Turn complex analysis into clear, compelling reporting for oversight committees and management

Jump in wherever you’re needed across the Compliance Department, supporting teammates on areas like fair lending, community reinvestment, BSA/AML, issues management, policy and procedure development, and third-party oversight

About You

You bring 6+ years of banking or financial services experience, primarily in compliance, risk management and/or audit, and a bachelor’s degree in a related field (or equivalent work experience)

You have 3+ years of direct lending compliance experience with a focus on consumer credit, and a strong working knowledge of consumer protection laws, the risks they create, and the internal controls needed to mitigate them

You’re the person who keeps a dozen balls in the air and makes it look easy, whether that’s product launches, partner reviews, exam prep, or regulatory change, and you’d rather have a full plate than an empty one

You do your best work in a high-volume, fast-moving environment, and you move quickly without cutting corners

You’re comfortable with ambiguity and shifting direction, and you stay calm, adaptable, and focused when plans change (and they will)

You’re the person product and business teams call first because they trust your judgment, and you deliver quality results even when timelines are aggressive and priorities compete

You’re a self-starter who takes ownership and drives initiatives to resolution, keeping stakeholders informed on progress and raising your hand early when roadblocks appear

You’re a natural communicator and relationship builder who can influence decisions and drive change, and help product and business partners see compliance as a way to move faster, not a speed bump

You’re analytical and detail-oriented, with strong critical thinking and problem-solving skills and exceptional organization, and you can see the big picture while keeping the details accurate

You’re a quick study and endlessly curious, eager to learn our unique business model, advanced technology capabilities, and evolving regulatory environment

Preferred Qualifications:

Professional certification(s) such as Certified Regulatory Compliance Manager (CRCM) or completion of specialized training in compliance (e.g., ABA Graduate School of Compliance Risk Management)

Experience supporting regulatory examination and compliance audits, including developing and tracking timely corrective action

Excellent proficiency in Microsoft Excel, PowerPoint, Visio, and other Office products

Work Location
San Francisco, Lehi, New York

The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role’s team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role’s success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level.

Time Zone Requirements
Local hours (PT, MT, ET)

While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements
As needed travel to Happen Bank offices and/or other locations, as needed.

Compensation
The target base salary range for this position is 120,000-175,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank's Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).

We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.

#LI-Hybrid
#LI-AW1

Happen Bank is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.

We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at interviewaccommodations@happen.com.

Notice on AI Tool Use

For select roles and locations, candidate interviews may be recorded, transcribed and summarized by tools such as artificial intelligence (AI) to assist our hiring managers with the application process.

You will have the opportunity to opt out of recording, transcription, and summarization prior to any scheduled interviews. We will not discriminate against you if you choose to opt out.

During the interview, we will collect the following categories of personal information from or about you: contact information, identifiers, professional and employment-related information, sensory information (audio/video recording), and any other categories of personal information you choose to share with us. We will use this information to evaluate your application for employment.

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We will delete any recording of your interview promptly but in no event later than 30 days after making a hiring decision.