Manager, Regulatory Operations

Title: Manager, Regulatory Operations

Location: Los Angeles, CA; Hybrid (3 days in-office per week)

Reports To: Corporate Counsel

The Company:

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.

The Role

Sunbit is seeking a data-driven Regulatory Operations Manager to join its Legal and Compliance team. This role is of significant importance and is tailored for a professional who excels at integrating technology and regulatory knowledge, adeptly translating complex legal requirements into functional workflows, whether automated or manual. As the primary steward of our nationwide licensing program and compliance automation strategy, you will ensure our products comply with regulatory standards as we expand. Your role will extend beyond merely executing checklists; you will be tasked with designing proactive strategies and technology-enabled systems that enhance the overall efficiency of our business operations.

REQUIREMENTS

What You’ll Own

• Compliance Testing & Gap Analysis: Design and implement automated testing systems for real-time auditing of loan/card documentation and disclosures. You will identify operational gaps and build scalable, tech-enabled workflows that replace manual reviews with high-accuracy automation.
• Full-Lifecycle Licensing Management: Own the end-to-end nationwide licensing program, ensuring full compliance across jurisdictions. Manage NMLS filings, renewals, and reporting with zero lapses, while proactively monitoring regulatory changes to support business expansion.
• Regulatory Exams & Audits: Serve as the primary point of contact for regulatory exams and inquiries (e.g., CFPB, state agencies). Lead exam readiness, including data validation, transaction testing, and drafting clear, comprehensive responses.
• Business & Data Analysis: Leverage AI and data analytics to identify trends, detect anomalies, and proactively mitigate compliance risks before they impact production.
• Cross-functional Leadership: Partner with Legal, Engineering, Operations, and Analytics teams to define requirements, prioritize initiatives, and drive implementation of compliance solutions.
• General Compliance Support: Contribute to the continuous evolution of the compliance framework by spearheading special projects and cross-functional initiatives required by business expansion or regulatory shifts.

Qualifications & Core Competencies

• Experience & Background: Bachelor’s degree with 5+ years of experience in regulatory compliance, internal audit, or risk management within financial services or banking.
• Professional Certifications: CRCM certification is strongly preferred.
• Regulatory Knowledge: Deep subject matter expertise in consumer financial regulations, specifically Reg Z (Truth in Lending), Reg E (EFTA), UDAAP, BSA/AML, and GLBA.
• Analytical Skills: Advanced skills in SQL , Excel (advanced functions), or BI tools are required to analyze complex datasets and identify risks.
• Licensing Expertise: Familiarity with NMLS and state licensing processes, including filings, renewals, and regulatory reporting.
• Tools & Adaptability: Comfortable working with tools like Jira, Confluence, Salesforce, and modern AI platforms; quick to learn new systems.
• Audit & Testing: Strong foundation in compliance testing methodologies, including control testing, sampling, and root-cause analysis.
• Automation & Technical Mindset: Hands-on experience building or implementing automated workflows, including AI-driven or agent-based solutions. Proven ability to optimize processes and drive efficiency through technology.
• Workflow & Process Design: Experience analyzing complex business processes, identifying inefficiencies, and implementing scalable, tech-enabled solutions.
• Cross-Functional Communication: Ability to translate complex regulatory requirements into clear, actionable insights for Product, Engineering, and business teams.
• Judgment & Integrity: High level of ownership, sound decision-making, and the ability to operate effectively in a fast-paced, high-stakes environment.

The Perks:

• Join one of LA’s fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech 50 (2024), #161 on Deloitte Technology Fast 500 list
• Mission driven + empowered + collaborative
• Competitive pay and stock options
• Unlimited PTO
• Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Maternity Leave
• Newly added HSA and Pet Insurance
• 401K Plan with Matching
• Cell Phone Stipend
• Casual Dress
• Open door policy / Open office floor plan
• Team based strategic planning + Team owned deliverables

How We Pay:

• We believe in paying fairly and equitably based on a number of factors including but not limited to previous experience, relevant work history, interview performance, geographical location, internal equity, and expected level of ownership.
• We are targeting a salary of $100,000 - $130,000 per year for this role
• This role will also be granted company equity via stock options