Compliance Testing

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees low rates and too few ways to actually grow your money. Were fixing it. And were moving fast.

Were an all-in-one financial services platform that brings together banking high-yield savings credit cards point-of-sale lending investing and crypto in one place. We also partner with employers HCM providers gig platforms and others to deliver embedded financial services to millions of employees and frontline workers.

Were backed by Walmart the worlds largest retailer and Ribbit Capital one of fintechs most respected investors giving us rare scale distribution and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers dont have time to wait and neither do we. This place moves fast and were looking for people who are:

• Ready to run

• Hungry and driven by urgency

• Exceptional at what they do with low ego

• Comfortable operating in motion

As a Compliance Testing professional you will help strengthen OnePays Compliance Testing Program by turning regulatory requirements and control objectives into clear risk-based testing. You will independently assess control effectiveness identify consumer-risk themes and deliver evidence-based conclusions that help the business move quickly and responsibly.

You will partner closely with Compliance Controls Product Operations Risk Legal Data Engineering and Marketing. Reporting to the Compliance Testing Lead you will contribute to annual planning testing execution issue management and concise reporting for senior stakeholders. This role is well suited for a high-ownership operator who is comfortable working through ambiguity building practical solutions and raising the bar as OnePay scales.

• Plan and execute risk-based compliance testing across OnePay products customer journeys operational processes marketing communications servicing complaints and third-party activities.

• Develop clear testing objectives populations procedures evidence requirements and conclusions that are reproducible well-supported and aligned to the applicable regulatory requirement and control objective.

• Assess the design and operating effectiveness of preventive and detective controls; identify root causes customer-impact considerations and practical opportunities to strengthen or automate controls.

• Perform data-driven analysis by coordinating with stakeholders validating source data evaluating population completeness and accuracy and documenting data limitations or exceptions.

• Evaluate compliance with applicable federal and state consumer-financial requirements including but not limited to UDAAP ECOA/Regulation B EFTA/Regulation E TILA/Regulation Z FCRA/Regulation V GLBA/Regulation P FDCPA Regulation DD FINRA SEC requirements and relevant state laws and regulations.

• Draft high-quality workpapers findings observations and management reports that clearly describe the requirement condition risk customer impact root cause and recommended corrective action.

• Track remediation commitments validate corrective-action closure and communicate emerging risks control themes and testing results to senior management and key business partners.

• Contribute to the annual Compliance Testing Plan and Compliance Risk Assessment by identifying regulatory changes product changes complaint trends audit results and other risk indicators.

• Maintain current knowledge of regulatory developments enforcement trends and industry practices relevant to OnePays products and operations.

• Use AI tools thoughtfully to improve the speed and quality of testing including regulatory research evidence analysis workpaper drafting issue spotting and knowledge management while applying appropriate human review data-handling confidentiality and governance controls.

• Build lightweight scalable testing methods documentation standards dashboards and automation that help Compliance move fast stay rigorous and keep improving. Additional duties as assigned by your manager.
  

• Professional fluency in written and spoken English.

• Five to ten years of experience in compliance testing compliance monitoring audit or consulting within consumer financial services fintech banking or a similarly regulated environment.

• Demonstrated experience executing regulatory or control reviews and translating regulatory requirements into practical risk-based test procedures.

• Working knowledge of U.S. consumer-financial-services regulations and the ability to research and apply federal and state requirements to products processes and customer communications.

• Strong analytical skills including experience assessing data quality defining test populations investigating exceptions and drawing balanced evidence-based conclusions.

• Excellent written and verbal communication skills including the ability to prepare concise high-impact reports for senior management and collaborate effectively across functions.

• Exceptional organization attention to detail sound judgment and the ability to manage competing priorities while meeting deadlines.

• AI-forward: hands-on fluency with AI tooling and genuine interest in using it responsibly to improve testing velocity analysis quality and knowledge sharing without compromising confidentiality accuracy or professional judgment.

• An act-like-an-owner mentality intellectual curiosity and a bias toward action. You are comfortable with ambiguity low ego and energized by solving meaningful problems alongside cross-functional partners.

• CRCM CIA CISA CAMS or comparable certification or active progress toward one is a plus.
  

• Competitive salary stock options and benefits from Day 1

• Comprehensive health insurance coverage (health insurance accident and disability insurance term life insurance) including mental health support and wellness programs

• Hybrid work model (Bengaluru office three days a week) various time off programs (vacation sick other paid leaves and paid regional holidays)

• Monthly transport and work-from-home allowances

• A high-growth mission-driven inclusive culture where your work has real impact

Our process varies by role. Most candidates go through:

• AI-assisted initial screen

• Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

To build technology and products that are used and loved by people and solve real-world problems we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race religion color national origin gender sexual orientation age marital status veteran status or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at