Compliance & Risk Analyst - job 1 of 2

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.

As a Compliance and Risk Analyst at Achieve, you'll play a critical role in upholding the quality and compliance of our lending operations. You'll contribute directly to our success by meticulously reviewing a sample selection of Personal Loan and Home Loan files at key stages: post-underwriting, pre-funding, and post-closing. Your work will serve as a key safeguard against potential issues. By verifying adherence to regulatory compliance and internal policies, you'll proactively identify discrepancies and support our lending teams in resolving them. This is an essential position for a highly organized and detail-oriented individual who thrives in a fast-paced, collaborative environment.  

How you will contribute: 

• Executes the quality control review process for a sample selection of Personal Loan and Home Loan files at multiple stages of the loan lifecycle: post-underwriting, pre-funding, and post-closing. 

• Conducts thorough QC audits on selected loan files to ensure complete adherence to regulations, internal policies, and established procedures at each review point. 

• Regularly communicates and follows up with lending staff and management regarding identified QC issues, missing documentation, and compliance matters, driving efficient and timely resolution. 

• Monitors management's remediation efforts related to quality control findings for timely completion and effectiveness. 

• Contributes to internal reporting related to loan quality, compliance issues, and trends, providing clear and actionable insights across loan stages. 

• Identifies and escalates risks and potential issues arising from loan file reviews, proposing appropriate actions and process enhancements. 

• Assists with additional loan compliance monitoring activities as they relate to policy, procedures, and regulations. 

What You will Bring: 

• Bachelor's Degree in a related field. 

• 3-5 years of experience in consumer lending, with a strong focus on loan quality control, processing, servicing, or underwriting. 

• Proven knowledge and understanding of loan file review processes across various stages (underwriting, funding, closing), regulatory compliance specific to lending, and internal policy adherence. 

• Excellent interpersonal and communication skills, with the ability to articulate complex compliance concepts and findings clearly to all levels of an organization. 

• High degree of independent judgment, meticulous attention to detail, and the ability to handle confidential and sensitive loan information. 

• Demonstrated ability to work effectively in a fast-paced environment, managing multiple reviews and meeting tight deadlines. 

• Strong organizational skills, with the ability to manage assignments with limited oversight and produce quality work products with minimal discrepancies. 

• A self-starter mentality, willing to take action without being asked and proactively identify areas for improvement in lending processes. 

PREFERRED QUALIFICATIONS: 

• Ability to influence and collaborate effectively to build successful relationships across various lending departments. 

• Strong problem-solving, researching, and decision-making skills, geared toward identifying issues and driving practical solutions. 

• Experience working with changing priorities and deadlines in a dynamic and complex lending environment. 

• Demonstrated ability to contribute to robust reporting on loan quality metrics, compliance issues, and remediation progress. 

• Ability to challenge constructively, while exercising sound judgment and professionalism. 

• Familiarity with a Loan Origination System (LOS), Loan Servicing System, or a Compliance Monitoring System. 

• Proficiency in Excel for data analysis (e.g., pivot tables, VLOOKUP) or similar data analytics tools. 

• Knowledge of SQL, Java, or Python is a plus. 

All your information will be kept confidential according to EEO guidelines.

Achieve well-being with:

• Hybrid and remote work opportunities for certain roles
• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options  
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
• Up to $5,250 paid back to you on eligible education expenses
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

Join Achieve, change the future.

At Achieve, we’re changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.

#LI-KM1