Compliance & Risk Testing Manager

), evaluating control effectiveness, and identifying regulatory and operational risk gaps Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office Start your adventure with Zip Zip is looking for a Compliance Risk Testing Manager to join our Compliance Risk organization and help strengthen our second line oversight capabilities across our bank partner compliance programs and internal control environment. This role will play a critical part in assessing the effectiveness of controls, identifying gaps and emerging risks, and helping drive a strong culture of compliance and accountability across the business.

Requirements

, and internal policies and procedures. This role is ideal for someone who thrives in fast-paced and highly regulated environments, has strong analytical and investigative capabilities, and brings a proactive mindset toward continuous improvement and scalable risk management practices. Our Compliance Risk team operates as a strategic partner to the business, enabling sustainable growth while maintaining strong governance and customer trust.

We are looking for someone who combines deep testing and controls expertise with curiosity, collaboration, and operational rigor.

, regulatory expectations, and internal policies Identify control gaps, compliance risks, and process weaknesses and provide actionable recommendations for remediation Partner cross-functionally with Compliance, Risk, Product, Operations, Legal, and business teams to validate corrective actions and strengthen controls Support the development and enhancement of risk-based testing methodologies, testing scripts, and reporting frameworks Analyze testing results, identify trends and root causes, and communicate findings clearly to stakeholders and leadership Monitor remediation activities and validate closure of identified issues and action plans Contribute to ongoing governance initiatives that improve risk visibility, operational discipline, and compliance maturity Leverage data, reporting tools, and emerging technologies including AI-enabled analysis tools to improve testing efficiency, monitoring, and issue identification Help foster a strong risk and compliance culture aligned with Zip’s values of Customer First, Own It, Stronger Together, and Change the Game What you’ll bring to the team 5-7 years of experience in compliance testing, controls testing, internal audit, risk management, or second line oversight within fintech, banking, payments, lending, or other regulated financial services environments Strong understanding of compliance risk management frameworks, controls testing methodologies, and regulatory oversight practices Experience evaluating operational and compliance controls tied to bank partner oversight

Demonstrated ability to identify control weaknesses, assess root causes, and drive remediation accountability across stakeholders Experience working cross-functionally in fast-paced and evolving environments with multiple priorities and stakeholders Strong analytical and investigative skills with the ability to synthesize complex information into clear findings and recommendations Experience using data analysis, reporting, workflow