Responsibilities
- Own Flex's multi-state licensing strategy across servicing, brokering, and money transmitter licenses, including acquisition, renewals, amendments, and surrenders.
- Design and maintain a comprehensive license matrix that maps licensing requirements to Flex's products, entities, and jurisdictions — ensuring the company always knows where it has the right to operate and where gaps exist.
- Build scalable workflows for license applications, renewals, and regulatory filings, leveraging licensing management platforms (e.g., Brico/NMLS integration) to automate deadline tracking, document management, and submission processes.
- Monitor regulatory changes at the state and federal level that affect licensing requirements, and translate those changes into actionable updates to internal policies, processes, and filings.
- Establish and own the escalation process for at-risk licenses, including remediation plans, stakeholder communication, and regulator engagement.
- Partner with Legal to evaluate licensing implications of new products, features, and market expansions — ensuring licensing readiness is embedded into product roadmaps and go-to-market planning.
- Architect Flex's exam readiness framework, ensuring the company is continuously prepared for state regulatory exams, bank partner audits, and ad hoc regulatory inquiries.
- Lead exam execution end-to-end: scoping, stakeholder preparation, evidence collection, regulator meeting facilitation, data request tracking, and real-time internal reporting.
- Build and maintain a centralized repository of exam artifacts, response libraries, and institutional knowledge that accelerates preparation and improves response quality over time.
- Own post-exam processes including root cause analysis of findings, corrective action tracking, lessons learned documentation, and procedure updates.
- Develop pre-exam preparation programs — including mock exams and stakeholder readiness sessions — that strengthen Flex's posture and reduce risk of surprise findings.
- Serve as a primary point of contact with state regulators on licensing and exam matters, building constructive relationships that support proactive issue resolution and reinforce Flex's credibility.
- Partner with Legal, Product, Operations, Finance, and Business Development to ensure licensing obligations and exam expectations are understood and embedded across the business.
- Represent the LEM function in internal governance forums, bank partner meetings, and senior leadership updates — translating licensing and exam posture into clear, decision-relevant insights.
- Generate compliance reporting on license health, exam readiness, and regulatory engagement — including dashboards, KPIs, and executive summaries that provide real-time visibility into the pillar's performance.
- Define and execute a maturity roadmap that moves Flex's LEM function from ad hoc to mature across license management, exam management, change management, and reporting.
- Implement AI-enabled workflows and automation to increase the speed, accuracy, and auditability of licensing and exam processes — with appropriate human-in-the-loop governance.
- Lead, mentor, and develop team members, establishing clear performance expectations, creating career development paths, and building a bench of future compliance leaders.
- Set the operating rhythm for the LEM team — including prioritization frameworks, SLA-based workflows, and reporting cadences that ensure disciplined execution without bottlenecks.
Requirements
- 10+ years of experience in licensing, exam management, or compliance operations at a fintech, bank, or regulated financial services provider, with progressively expanding scope and ownership.
- Direct experience managing multi-state licensing portfolios, including consumer lending, loan brokering, and/or money transmitter licenses.
- Proven track record of leading regulatory exam cycles end-to-end — preparation, execution, and remediation — with state regulators and/or bank partners.
- Deep knowledge of state licensing frameworks, NMLS processes, and the regulatory landscape governing consumer lending, payments, and money transmission.
- Experience building or significantly maturing a licensing or exam management function — moving it from reactive and manual to proactive and scalable.
- Demonstrated ability to partner cross-functionally with Legal, Product, and Operations teams, translating regulatory obligations into operational guardrails that enable business velocity.
- Comfort with compliance technology and automation — experience implementing or governing licensing platforms, workflow automation, or AI-enabled compliance tools.
- Strong communicator who can represent Flex credibly with state regulators and translate complex licensing and exam dynamics into clear guidance for internal stakeholders.
- Organized, precise, and reliable — someone who instills confidence through the quality and consistency of their work.
- Experience with Brico, NMLS Consumer Access, or similar licensing management platforms.
- Familiarity with fintech–bank partnership models and the licensing implications of bank-sponsored lending or payments programs.
- Experience building exam response libraries, regulatory contact trackers, or evidence automation systems.
- Background in scaling compliance programs in a growth-stage or venture-backed environment.
- Bachelor's degree required
Nice to Have
- JD or advanced degree a plus
