About Figure Figure (NASDAQ: FIGR) is transforming capital markets through blockchain. We’re proving that blockchain isn’t just theory - it’s powering real products used by hundreds of thousands of consumers and institutions. By combining blockchain’s transparency and efficiency with AI-driven automation, we’ve reimagined how loans are originated, funded, and traded in secondary markets. From faster processing times to lower costs and reduced bias, our technology is helping borrowers, investors, and financial institutions achieve better outcomes. Together with our 170+ partners, we’ve originated over $22 billion in home equity loans (HELOCs) on our blockchain-native platform, making Figure the largest non-bank provider of home equity financing in the U.S. Figure’s ecosystem also includes YLDS, an SEC-registered yield-bearing stablecoin that operates as a tokenized money market fund, and several other products and platforms that are reshaping consumer finance and capital markets. We’re proud to be recognized as one of Forbes’ Most Innovative Fintech Startups in 2025 and Fast Company’s Most Innovative Companies in Finance and Personal Finance. About the Role We are seeking a highly motivated and detail-oriented Senior Compliance Associate to join our legal and compliance team. In this role, you will own the end-to-end lifecycle of our state lending licenses, oversee critical annual and periodic regulatory reporting, and serve as the lead point of contact for state regulatory examinations. This is a unique opportunity for a compliance professional with a strong foundation in mortgage and consumer lending to expand their expertise into the evolving digital asset regulatory landscape. What You'll Do
Oversee the company’s multi-state mortgage lending and consumer lending license portfolio via the Nationwide Multistate Licensing System (NMLS) and individual state portals. Manage the research, preparation, and submission of new corporate, branch, and individual MLO (Mortgage Loan Originator) license applications as the company expands. Lead the timely preparation, validation, and submission of all required state annual reports, quarterly Mortgage Call Reports (MCR), and financial condition filings. Partner with internal Data, Operations, and Finance teams to pull, audit, and reconcile loan production and servicing data to ensure 100% accurate regulatory reporting. Manage required material change notifications to state regulators regarding corporate structure, executive leadership, or business activities. Serve as the primary liaison and Lead Project Manager for all state regulatory examinations (e.g., routine compliance audits, financial exams). Coordinate internal data-room preparation, gathering loan files, policies, procedures, and corporate records requested by examiners. Pre-review materials for quality assurance. Draft formal responses to examination findings and collaborate with business units to implement corrective action plans, tracking them through to successful resolution.
What We Look For
Minimum of 4-6 years of compliance or regulatory experience within a mortgage lender, consumer finance company, or banking institution. High proficiency with the NMLS portal is required. Strong foundational understanding of federal and state lending regulations (e.g., TILA/RESPA, ECOA, FCRA, SAFE Act, and state-specific Consumer Credit Codes). Specifically a strong foundational understanding of open-end credit products. Proven experience directly participating in or leading state regulatory examinations. Bachelor’s degree in Business, Finance, Legal Studies, or a related field (or equivalent practical experience). Familiarity with digital assets, cryptocurrency, or blockchain technology and an understanding of how regulators view asset-backed lending (preferred). CRCM (Certified Regulatory Compliance Manager) or CAMS (Certified Anti-Money Laundering Specialist) designation (preferred). Ability to manage multiple strict regulatory deadlines simultaneously without sacrificing accuracy. Exceptional written and verbal communication skills, with the ability to interface confidently with state regulators and executive leadership alike. A sharp eye for data discrepancies and a proactive approach to identifying compliance gaps before they become audit issues.
Salary
Base Compensation Range: $74,800-$112,200/yr 25% annual bonus target, paid quarterly Company equity in the form of RSUs
This is the compensation range for the role in the United States. Actual compensation may vary based on a candidate’s experience, skills, location, internal equity, and evolving business needs. While most offers are generally made within the middle of the range, final compensation is determined based on the factors above. Benefits
Comprehensive medical, dental, and vision coverage, with 100% employer-paid premiums for employees and their dependents on select plansCompany HSA, FSA, Dependent Care FSA, 401(k), and commuter benefitsEmployer-paid life and disability insurance11 observed holidays and PTO planUp to 12 weeks of paid family leaveContinuing education reimbursement
Depending on your residential location certain laws might regulate the way Figure manages applicant data. California Residents, please review our California Employee and General Workforce Privacy Notice for further information. By submitting your application, you are agreeing and acknowledging that you have read and understand the above notice. Figure will not sponsor work visas for this position. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification form upon hire.