Compliance Analyst

Join the newly established captive finance company of the leading global brand, Kawasaki Motors, based in Foothill Ranch, CA. Our commitment to innovation and quality has made Kawasaki a trusted name in the powersports industry. We provide our customers with exceptional products and services, including top-notch retail finance solutions. Join our team and be part of a dynamic company that values excellence, customer satisfaction, and continuous improvement. Together, we can help our customers embark on their next adventure with confidence and ease.

We are seeking a highly motivated and detail-oriented Compliance Analyst to join our dynamic, fast-growing startup captive finance company specializing in retail installment loans for the powersports industry across all 50 states. This role focuses on regulatory compliance and customer protection, leading testing to ensure adherence to regulations and uninterrupted operations. Key duties include reviewing regulatory documents, supporting audits, maintaining compliance frameworks, and monitoring emerging risks. Experience in finance, automotive, or powersports compliance, along with strong skills in policy drafting and compliance testing, is essential. This role contributes to the development and maintenance of internal compliance frameworks, dual controls, workflows, policies, and job aids, while monitoring regulatory trends and identifying emerging risks that may impact business operations. This position will be reporting to the State Licensing & Regulatory Compliance Manager.

Key Responsibilities:

• Monitor compliance with federal and state laws across all 50 states including: FDCPA, TILA, UDAAP, GLBA, Regulation Z, FCRA/Reg V, Regulation E, BSA/AML, Dodd-Frank Act, E-SIGN Act, and applicable state-specific consumer protection laws.
• Test and validate system configuration for credit decisioning, servicing workflows, payment processing, late fee assessment, NSF fees, and fee disclosures.
• Conduct testing related to SCRA protections including rate limits, active-duty checks, and notification procedures.
• Assist with AML testing and reviewing system rules for compliance alignment.
• Validate customer communication scripts, disclosures, and notices to ensure regulatory accuracy, including cease and desist requests and collection activity under FDCPA guidelines.
• Monitor and document compliance of repossession activity, including notice periods, deficiency balance treatment, and state-specific requirements.
• Perform compliance testing across operational areas including marketing, credit underwriting, servicing, collections, and payment processing to ensure regulatory alignment and policy adherence.
• Perform complaint management activities, including tracking and documenting regulated and verbal complaints, monitoring resolution timelines, and validating that responses are timely, accurate, and compliant. Conduct complaint testing to evaluate adherence to regulatory expectations and internal complaint handling procedures.
• Review call logs and collection activity to ensure compliance with FDCPA, UDAAP, and internal policy standards.
• Perform data validation to ensure credit bureau reporting is timely, complete, and accurate; support monthly audits of Metro 2 data and dispute resolution tracking.
• Assist in maintaining a centralized document library of all policies, procedures, and training materials for each business unit, ensuring updates are reviewed, approved, and archived annually.
• Support ongoing monitoring of regulatory updates across state and federal levels and assess operational impact in collaboration with compliance leadership.
• Maintain accurate records of test results, corrective actions, and ongoing remediation activities.
• Contribute to the continuous improvement of compliance workflows, controls, and testing protocols.

Qualifications:

• Associate or bachelor’s degree in business, finance or a related field preferred; equivalent professional experience will be considered.
• Minimum of 3 years of experience in consumer finance compliance, preferably within retail installment lending, auto finance, or powersports industries.
• Hands-on experience supporting compliance programs in multi-state lending environments, with exposure to operational compliance across marketing, originations, servicing, collections, and payment processing.
• Familiarity with key federal and state regulatory frameworks, including FDCPA, TILA, FCRA/Reg V, UDAAP, GLBA, Regulation Z, Regulation E, AML, SCRA, Dodd-Frank, E-SIGN Act, and relevant state consumer protection laws.
• Ability to interpret and apply state-specific regulations related to fees, notices, credit reporting, repossessions, and servicing requirements.
• Experience working with loan origination systems (LOS), loan management systems (LMS), and dealer portals.
• Proficient in Microsoft Office Suite, especially Excel (pivot tables, data validation, etc.), Word, and PowerPoint.
• Familiarity with compliance management platforms, SharePoint, and document control systems is a plus.
• Strong skills in system testing, workflow validation, fee testing, and compliance control audits.
• Proven ability to conduct root cause analysis, document findings, and develop actionable recommendations.
• Excellent written and verbal communication skills, with experience drafting reports, summaries, policies, and audit responses.
• Ability to explain regulatory concepts and test findings to cross-functional stakeholders in clear, practical terms.
• Highly organized and detail-oriented with a methodical approach to testing and documentation.
• Demonstrates strong integrity, discretion, and professionalism when handling sensitive customer and company data.
• Self-motivated, adaptable, and able to manage multiple priorities in a fast-paced, high-growth environment.
• Team player with a collaborative mindset and the ability to work effectively across compliance, legal, risk, and operational teams.
• Experience supporting compliance reviews of marketing campaigns, call scripts, complaints, and credit bureau reporting.
• Familiarity with complaint tracking systems, complaint response timelines, and regulatory complaint classifications (BBB, Attorney General, CFPB).
• Exposure to compliance efforts related to SCRA, repossession workflows, payment processing, late fees, NSF fees, and FDCPA testing.
• Promotes a positive, inclusive, and respectful team culture grounded in trust, transparency, and open communication. Consistently demonstrates professionalism, reliability, and a strong work ethic through punctuality and dependable attendance. Committed to fostering collaboration, integrity, and accountability, while actively contributing to a healthy, solution-driven work environment aligned with the company’s values and strategic objectives.
• Perform all other duties assigned to support the growth and operational excellence of the company.
• Ability to work on-site at our Foothill Ranch, CA office.

Profile Differentiators:

• Proven ability to monitor and interpret complex regulatory requirements across all 50 states, ensuring end-to-end compliance in a retail installment finance environment.
• In-depth familiarity with a wide spectrum of federal regulations, including FDCPA, TILA, UDAAP, GLBA, Regulation Z, Regulation V (FCRA), Regulation E, BSA/AML, SCRA, Dodd-Frank, and the E-SIGN Act, along with state-specific consumer protection laws.
• Demonstrated strength in designing and executing compliance testing across marketing, credit underwriting, servicing, collections, repossessions, and payment processing, with a focus on identifying and correcting control gaps.
• Skilled in validating loan origination and servicing systems (LOS/LMS) for accurate implementation of credit decisioning logic, payment processing workflows, late/NSF fees, and regulatory fee disclosures.
• Hands-on experience conducting SCRA compliance testing (rate cap enforcement, active-duty status checks) and evaluating collection call activity, scripts, and cease & desist requests under FDCPA and UDAAP standards.
• Strong track record managing regulated and verbal consumer complaint tracking, testing, resolution monitoring, and reporting, ensuring timely, complete, and compliant responses.
• Experience supporting Metro 2 credit reporting audits and validating the accuracy and timeliness of customer data submissions and dispute resolutions.
• Skilled in maintaining centralized policy, procedure, and training documentation, with disciplined oversight of review and update cycles across business units.
• Proven ability to conduct thorough root cause analysis, document findings clearly, and implement actionable remediation plans in partnership with business teams.
• Proficient with core tools including Microsoft Excel (pivot tables, data validation), Word, PowerPoint, and compliance management platforms; experience with SharePoint and dealer portals is a plus.
• Clear and confident communicator with the ability to translate regulatory requirements into actionable steps for the operations teams.
• Self-driven, highly organized, and comfortable operating in a fast-paced startup or high-growth environment with evolving systems, policies, and regulatory obligations.

Salary:

• Salary range: $85,000 - $95,000

Equal Opportunity: KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence and qualifications and will not be influenced in any manner by race, color, religion, gender, national origin/ethnicity, veteran status, disability status, age, sexual orientation, gender identity, marital status, mental or physical disability or any other legally protected status.