Small Business Banking Compliance Advisor

SoFi • Frisco, TX

9h

About The Position

Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The Senior Manager, SMB Lending Compliance Advisor serves as an independent second-line risk advisor to the Small and Medium Business Lending business unit. This role provides strategic compliance oversight, challenge, and regulatory expertise to ensure lending activities align with applicable federal laws, regulatory expectations, and the Bank’s risk appetite.

This position partners closely with Business Unit leadership, Legal, and horizontal Compliance partners to proactively identify, assess, and mitigate compliance risk across the SMB lending lifecycle. The role requires deep product and regulatory expertise, executive presence, and the ability to influence senior stakeholders while maintaining independence.

Requirements

• Bachelor’s degree in Finance, Business, Risk Management, Law, or related field.
• 8–12 years of experience in banking compliance, regulatory risk, or audit within a regulated financial institution.
• Minimum 5 years supporting commercial, small business, or business banking lending activities.
• Strong working knowledge of:
• Equal Credit Opportunity Act/Reg B
• Fair Credit Reporting Act
• Fair Lending
• UDAAP
• CRA
• Strong written and verbal communication skills, including experience presenting to senior leadership.
• Independent judgment and risk-based decision making
• Executive presence and influence
• Regulatory interpretation and technical expertise
• Strategic thinking
• Cross-functional collaboration
• Strong analytical capability

Nice To Haves

• CRCM (Certified Regulatory Compliance Manager) certification.
• CAMS or other relevant compliance certification.
• Experience with fair lending analytics or model risk governance.
• Prior leadership experience managing or mentoring compliance professionals.
• Advanced degree (MBA or JD) preferred.

Responsibilities

• Serve as primary second-line compliance advisor to SMB Lending leadership.
• Provide subject matter expertise on regulations impacting small business lending, including:
• Equal Credit Opportunity Act (ECOA) / Regulation B
• Fair Credit Reporting Act (FCRA) / Regulation V
• Fair Lending laws and disparate impact considerations
• UDAAP
• Community Reinvestment Act (CRA)
• BSA/AML requirements as applicable to lending
• Deliver credible challenge to business decisions, product initiatives and changes, underwriting practices, and pricing strategies through execution of the Compliance Management Program such as complaints oversight, risk assessments, and issue management.
• Oversee third party relationships for the small business lending portfolio.
• Lead and maintain formal compliance risk assessments for the SMB lending portfolio.
• Evaluate adequacy and effectiveness of first-line controls.
• Identify emerging regulatory risks and escalate as appropriate.
• Provide risk-based recommendations aligned with regulatory expectations.
• Review issues, assess root cause, and validate remediation plans.
• Track and report compliance issues through formal governance channels.
• Assess impact of new or revised regulations.
• Advise business leadership on implementation strategy and required control enhancements.
• Communicate compliance risk themes, emerging issues, and key metrics.
• Serve as a trusted advisor to executive stakeholders while maintaining independent oversight.

Benefits

• To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
• SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
• SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email [e-mail].

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level