Earnest
Senior Compliance Analyst
Job Summary
The Senior Compliance Analyst at Earnest is responsible for leading compliance testing, serving as a key liaison across business units and audit teams to ensure effective controls and readiness for federal and state examinations. The role involves analyzing risks, developing policies, and providing reports to improve compliance performance. Candidates should have 3–4+ years of experience in regulatory compliance or audit within consumer lending, with strong communication skills and knowledge of relevant laws. The position offers a comprehensive benefits package and a focus on fostering an inclusive, growth-oriented culture.
Required Skills
Benefits
Job Description
Our mission is to make higher education accessible and affordable for everyone. We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast.
We build tools that help people feel in control of their financial future, including:
- Private student loans - low rates, people-first service, and flexible payments.
- Student loan refinancing - break free from high-interest rates or monthly payments.
- Scholarships - access to thousands of scholarships to help students pay less.
Earnies are committed to helping students live their best lives, free from the stress of student debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together!
The Senior Compliance Analyst position will report to the Compliance Manager.
As the Senior Compliance Analyst, you will:
- Be the go-to compliance partner and serve as the key liaison between business units, audit teams, and second line of defense to drive alignment and transparency.
- Lead the charge on compliance testing by executing the First Line of Defense (FLOD) plan, ensuring our controls are not just in place—but effective.
- Proactively spot and solve risk areas through in-depth reviews and assessments of business processes that keep us one step ahead of compliance issues.
- Own audit readiness and guide teams through federal and state exams, internal audits, and testing processes with confidence and clarity.
- Turn insights into action by analyzing results, delivering impactful reports, and recommending smart, strategic fixes that improve performance.
- Shape the policies that shape our business – collaborate on the development and rollout of clear, effective compliance policies that stick.
About You:
- 3–4+ years of experience in regulatory compliance, audit, or operational risk & controls within the consumer lending industry. In-depth knowledge of consumer lending laws and regulations.
- Proven ability to interpret and apply complex regulatory requirements to business operations.
- Excellent written and verbal communication skills.
- Self-motivated and capable of managing multiple priorities in a remote work environment.
Even Better:
- Certifications in regulatory compliance, audit, or risk management disciplines are encouraged but not required.
- Prior experience working as a federal or state consumer financial regulator is a plus.
- 1-2 years of experience conducting compliance testing routines & supporting consumer financial services & products."
Where:
- This role will be based in the US.
#LI-AM1
A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future.
Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including:
- Health, Dental, & Vision benefits plus savings plans
- Mac computers + work-from-home stipend to set up your home office
- Monthly internet and phone reimbursement
- Employee Stock Purchase Plan
- Restricted Stock Units (RSUs)
- 401(k) plan to help you save for retirement plus a company match
- Robust tuition reimbursement program
- $1,000 travel perk on each Earnie-versary to anywhere in the world
- Competitive days of annual PTO
- Competitive parental leave
What makes an “Earnie” culture:
- Drivers – Drivers are satisfied by making things happen, not coming along for the ride. They feel a strong sense of ownership for their projects and teams and demand high standards from themselves and others.
- Humility – Humble team players check their egos and consider the team’s needs above their own. They are self-aware of their strengths and opportunities for improvement.
- Growth Mindset – People with a growth mindset approach challenges and failures as learning opportunities. They seek feedback to improve, give feedback to others, and genuinely want to perform well.
At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.
Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.
Earnest
A financial technology company providing student loan refinancing, personal loans, and other lending solutions with flexible terms.
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