Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision.

Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together.

The Senior Compliance Analyst (Consumer Lending Compliance) will report to our Compliance Manager.

As the Senior Compliance Analyst, you will:

Manage Earnest’s end-to-end complaints program within the First Line of Defense, ensuring timely, accurate, and compliant resolution.
Partner with cross-functional teams to investigate complaints, identify root causes, and drive remediation.
Monitor complaint trends and escalate regulatory, UDAAP, or systemic risks.
Draft and review complaint responses and maintain complaint governance, reporting, and procedures.
Support audits, regulatory inquiries, and 1LOD testing and monitoring activities.

About You:

3+ years of experience in compliance, audit, operational risk, or consumer lending operations.
Strong knowledge of consumer lending laws and regulations.
Experience with complaints management and risk identification.
Excellent written and verbal communication skills.
Detail-oriented, analytical, and comfortable working cross-functionally.

Even Better:

Compliance, audit, or risk management certifications.
Experience as a state or federal regulator.
Prior compliance testing or monitoring experience.

#LI-AM

Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including:

Health, Dental, & Vision benefits plus savings plans
Mac computers + work-from-home stipend to set up your home office
Monthly internet and phone reimbursement
Employee Stock Purchase Plan
Restricted Stock Units (RSUs)
401(k) plan to help you save for retirement plus a company match
Robust tuition reimbursement program
$1,000 travel perk on each Earnie-versary to anywhere in the world
Competitive days of annual PTO
Competitive parental leave

What Makes an Earnie:

At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:

Every Second Counts: Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success.
Choose To Do Hard Things: We win by tackling the hard things that others avoid, fueled by grit and resilience.
Pursue Excellence: Great companies, teams, and individuals never settle and are proud of the work that they do. What’s good enough today won’t be good enough tomorrow. Excellence isn’t a destination; it’s a mindset of continuous improvement.
Lead Together: Our success comes from how we work together. Leadership is not about titles—it is about action. We take ownership, drive results, and move forward as a team.
Don’t Take Yourself Too Seriously: We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient.

At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.

Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.

Senior Compliance Analyst

AI overview

Perks & Benefits Extracted with AI