Sr Manager, Compliance - Identity Theft Program Oversight

Lead complex projects and problem resolution efforts related to risk management. Collaborate with teams to identify and analyze risks that may impact operations and assets. Develop and implement strategies for risk mitigation and compliance. Assess current business trends to inform risk management practices and improvements. Drive global process improvements through effective project management and stakeholder engagement. Provide second line oversight of the Identity Theft Prevention (Red Flags) Program, including governance, risk assessment, control effectiveness, and ongoing program maintenance. Partner with First Line of Defense teams to review and challenge controls related to identity theft detection, prevention, response, and escalation across consumer and merchant products. Assess Red Flags risks associated with new products, process changes, and strategic initiatives, and provide compliance guidance to ensure alignment with regulatory expectations. Support the design, implementation, and enhancement of policies, procedures, and training related to identity theft prevention and consumer protection requirements. Collaborate with Legal, Risk, Product, Operations, and Internal Audit to ensure consistent interpretation and application of Red Flags Rule requirements and related regulations. Support regulatory examinations, internal audits, and issue remediation activities related to identity theft and consumer compliance. Contribute to governance forums and reporting by summarizing identity theft risk trends, program effectiveness metrics, and key compliance issues for senior leadership. Monitor and interpret regulatory changes affecting consumer/merchant lending/servicing and communicate actionable guidance and updates to stakeholders across the organization. Provide regulatory and compliance guidance on all related consumer protection requirements and obligations related to applicable products and services. Collaborate with FLOD Business Units and SLOD Stakeholders to integrate compliance best practices into daily processes and new initiatives. Create, update, and deliver compliance policies, procedures, and training to staff and vendors, fostering a risk-aware culture and ethical lending practices. Support and develop monitoring and testing strategies, and coordinate internal/external audits, regulatory examinations, and responses to compliance inquiries. Oversee compliance risk assessments, recommend and track remediation plans, and monitor progress in collaboration with business partners. Prepare reports and presentations for senior leadership summarizing key issues, compliance metrics, audit outcomes, and regulatory trends. 8+ years relevant experience and a Bachelor's degree OR Any equivalent combination of education and experience. Advanced degree or certifications (e.g., CRCM, CAMS, CCEP) preferred. Identity Theft Red Flags Rule Fair Credit Reporting Act (FCRA) and Fair and Accurate Credit Transactions Act (FACTA) Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) Consumer Financial Protection Bureau (CFPB) guidance Other applicable consumer protection laws. Proven experience developing and maintaining compliance programs, controls, and monitoring frameworks specific to consumer and/or merchant lending and servicing functions. Skilled in collaborating across the three lines of defense, including Legal, Operations, Product, and Risk, to develop and implement scalable and sustainable compliance solutions. Experience supporting third-party oversight or vendor management programs for collections agencies or servicing partners. High energy and creativity, and the desire to work in a growing and changing environment. Strong understanding of governance structures, Issue Management, and root cause analysis related to compliance incidents. Excellent communication and presentation skills, with the ability to clearly explain regulatory expectations and influence cross-functional stakeholders. Ability to interpret policy and regulatory requirements and apply them in practice.