Manager, Regulatory Compliance and Testing

Who We Are:

Real REMAX Group (Nasdaq: REAX) is a global real estate company bringing together two trusted brands and a shared belief: when real estate professionals are empowered by innovation and community, everyone benefits. By combining Real’s AI-powered technology platform and entrepreneurial community with REMAX’s iconic global brand and trusted franchise network, we’re building one of the industry’s most innovative real estate companies. Together, our network of more than 180,000 real estate professionals spans over 120 countries and territories, united by a commitment to helping agents and brokers build stronger businesses and deliver exceptional experiences for their clients.

Learn more at https://realremaxgroup.com

About the Role:

We’re looking for a Manager, Regulatory Compliance and Testing to join our Legal, Compliance & Internal Audit team supporting Wallet, our financial services platform designed to provide payments and financial solutions for our real estate agents. In this role, you’ll own the tactical execution of our Strategic Compliance Monitoring & Testing Framework, providing ongoing, data-driven monitoring to proactively identify and mitigate regulatory and legal risk as the business and its products continue to scale. You’ll work closely with cross-functional teams to identify emerging compliance risks, develop and execute testing, review marketing materials and disclosures, and provide day-to-day compliance guidance.

What You’ll Do:

• Execute and maintain Real Wallet’s Strategic Compliance Monitoring & Testing Framework across active business lines and financial products.
• Partner with business teams to identify emerging compliance risks, determine testing needs, and provide practical guidance on day-to-day operations and new initiatives.
• Design and implement testing protocols for new products, processes, and regulatory requirements.
• Audit automated disclosure logic and credit decision notices for compliance with applicable state and federal commercial lending requirements, including rate and fee limitations.
• Review marketing materials and customer complaint trends to identify and mitigate potential UDAAP/UDAP and other regulatory risks.
• Develop system frameworks and reporting workflows to support compliance with emerging regulatory requirements.
• Conduct routine compliance audits and communicate findings, recommendations, and remediation needs to Compliance leadership and relevant business partners.
• Monitor regulatory developments and translate changes into actionable compliance processes, controls, and testing requirements.

What You’ll Bring:

• Strong knowledge of U.S. small business lending and state-licensed lending requirements.
• Knowledge of key regulatory requirements, including ECOA (Regulation B), UDAAP/UDAP, KYC, AML, OFAC, SCRA, CAN-SPAM, and state-specific disclosure requirements.
• Experience developing and executing data-driven compliance monitoring and testing programs.
• Strong analytical and problem-solving skills, with the ability to translate complex regulatory requirements into practical business solutions.
• Strong written and verbal communication skills, with the ability to collaborate effectively across legal, compliance, business, and operational teams.
• Ability to work independently, manage multiple priorities, and adapt to evolving business and regulatory requirements.

Education & Experience:

• Bachelor’s degree in Business, Finance, Legal Studies, Compliance, or a related field required.
• 6+ years of experience in regulatory compliance, compliance testing, or audit within the fintech, lending, banking, or financial services industry.
• Experience with U.S. small business lending and state-licensed lending preferred.
• Experience with Banking-as-a-Service (BaaS), embedded banking, or working with bank sponsors is a plus.
• Familiarity with Canadian regulations, including CASL, FINTRAC, or PPSA, is a plus.
• Experience with AI-assisted underwriting is a plus.
• CRCM or CAMS certification is a plus.