Compliance & Risk Testing Manager

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5-7 years of compliance, risk, controls testing, or second line oversight experience within regulated financial services, fintech, banking, lending, or payments environments Strong experience executing compliance testing programs (TILA, UDAAP, FCRA, etc.), evaluating control effectiveness, and identifying regulatory and operational risk gaps Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office Start your adventure with Zip Zip is looking for a Compliance & Risk Testing Manager to join our Compliance & Risk organization and help strengthen our second line oversight capabilities across our bank partner compliance programs and internal control environment. This role will play a critical part in assessing the effectiveness of controls, identifying gaps and emerging risks, and helping drive a strong culture of compliance and accountability across the business. You will partner closely with Compliance, Risk, Product, Operations, Legal, and business stakeholders to execute testing activities that evaluate adherence to regulatory obligations, bank partner requirements, and internal policies and procedures. This role is ideal for someone who thrives in fast-paced and highly regulated environments, has strong analytical and investigative capabilities, and brings a proactive mindset toward continuous improvement and scalable risk management practices. Our Compliance & Risk team operates as a strategic partner to the business, enabling sustainable growth while maintaining strong governance and customer trust. We are looking for someone who combines deep testing and controls expertise with curiosity, collaboration, and operational rigor. Interesting problems you'll get to solve OR Write your story with a career at Zip Lead and execute second line compliance and controls testing activities across key business processes and regulatory obligations Assess the design and operational effectiveness of controls tied to bank partner requirements, regulatory expectations, and internal policies Identify control gaps, compliance risks, and process weaknesses and provide actionable recommendations for remediation Partner cross-functionally with Compliance, Risk, Product, Operations, Legal, and business teams to validate corrective actions and strengthen controls Support the development and enhancement of risk-based testing methodologies, testing scripts, and reporting frameworks Analyze testing results, identify trends and root causes, and communicate findings clearly to stakeholders and leadership Monitor remediation activities and validate closure of identified issues and action plans Contribute to ongoing governance initiatives that improve risk visibility, operational discipline, and compliance maturity Leverage data, reporting tools, and emerging technologies including AI-enabled analysis tools to improve testing efficiency, monitoring, and issue identification Help foster a strong risk and compliance culture aligned with Zip's values of Customer First, Own It, Stronger Together, and Change the Game What you'll bring to the team 5-7 years of experience in compliance testing, controls testing, internal audit, risk management, or second line oversight within fintech, banking, payments, lending, or other regulated financial services environments Strong understanding of compliance risk management frameworks, controls testing methodologies, and regulatory oversight practices Experience evaluating operational and compliance controls tied to bank partner oversight requirements Demonstrated ability to identify control weaknesses, assess root causes, and drive remediation accountability across stakeholders Experience working cross-functionally in fast-paced and evolving environments with multiple priorities and stakeholders Strong analytical and investigative skills with the ability to synthesize complex information into clear findings and recommendations Experience using data analysis, reporting, workflow, or GRC tools to support testing execution and issue management Familiarity with AI-enabled tools, automation capabilities, or data-driven testing approaches and the ability to apply technology thoughtfully within compliance and risk workflows Strong written communication skills with experience developing testing reports, issue summaries, and executive-ready documentation Bachelor's degree in Business, Finance, Risk Management, Accounting, or a related field preferred What you'll get in return Zip is a place where you'll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you'll feel empowered and trusted to make big things happen quickly. We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it's important to us that you make the most of the opportunities you'll get to grow your skil

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