Compliance Director

About Pay Joy

Pay Joy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through Pay Joy's point-of-sale financing and credit cards, customers gain access to a modern quality of life. Pay Joy's credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety acts as insurance for tough times.

Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

The Compliance Director is responsible to leads and oversees global compliance program across all operating jurisdictions, ensuring consistent regulatory compliance through unified policies, procedures, and monitoring frameworks, while owning the enterprise compliance strategy and partnering closely with Legal, Operations, Product, Risk, and regulators to mitigate regulatory, audit, and operational risk as the company scales internationally.

Key responsibilities

* Design and own Pay Joy's global compliance framework, including policies, procedures, risk assessments, and control standards, ensuring consistent application across all jurisdictions while accommodating local regulatory requirements.

* Establish and oversee independent compliance monitoring and testing programs, including issue identification, remediation tracking, and reporting, to proactively identify and mitigate regulatory and operational risk.

* Serve as the primary compliance partner to the executive team, embedding compliance considerations into business processes, product development, and market expansion initiatives.

* Lead regulatory engagement and examination readiness, including coordination of audits, regulatory inquiries, partner due diligence, and ongoing supervisory interactions, ensuring clear documentation and defensible compliance practices.

* Develop global compliance governance, reporting, and escalation structures, including senior management and committee reporting, to support informed decision-making and accountability across the organization.

* Build and scale the compliance function over time, including defining resourcing needs, leveraging external advisors, and developing internal talent to support Pay Joy's growth and increasing regulatory complexity.

Qualifications

* Bachelor of Laws degree and Master 's degree in commerce, Business Administration, Management, Law or related field.

* 10+ years of progressive compliance experience within fintech, financial services, payments, lending, or other highly regulated environments, with demonstrated responsibility for enterprise or multi-jurisdictional compliance programs.

* Proven experience designing, implementing, and scaling compliance frameworks from the ground up, including policies and procedures, risk assessments, monitoring and testing, issue management, and regulatory change management.

* Deep working knowledge of global regulatory regimes relevant to Pay Joy's business model, including consumer protection, AML/KYC, data privacy, and licensing requirements across multiple jurisdictions.

* Demonstrated ability to operate as a senior individual contributor and strategic advisor, with credibility to influence executive stakeholders and cross-functional partners without relying on formal authority.

* Experience leading regulatory examinations, audits, and third-party diligence, including ownership of regulator communications, documentation readiness, and remediation planning.

* Strong governance and reporting capabilities, including the ability to develop compliance metrics, dashboards, and executive-level reporting to support informed decision-making and risk oversight.

Benefits

* 100% Company-funded health insurance for employee and immediate family

* Company-funded employee life and disability insurance

* 20 paid vacation days, flexible sick leave
* $2,000 USD annual Co-Working Travel Perk
* $2,000 USD annual professional development perk

* Headphone benefit, home office equipment allowance and wellness perks
* $340 Company-funded commuter benefit

* Catered lunches

$320,081 - $330,696 a year

Pay Joy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

Pay Joy Principles

Finance for the next billion
* Ownership
* Break Through Walls
* Live Communication
* Transparency & Directness
* Focus on Scale
* Work-Life Balance
* Embrace Diversity
* Speed
* Active Listening