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Who we are:

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 role:

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.

What you'll do:

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.

What you'll need:

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.

Preferred Qualifications:

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.

Core Competencies:

Independent judgment and risk-based decision making

Executive presence and influence

Regulatory interpretation and technical expertise

Strategic thinking

Cross-functional collaboration

Strong analytical capability

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at So Fi page!
So Fi 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.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
So Fi is committed to an inclusive culture. As part of this commitment, So Fi 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 accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

Internal Employees

If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.