Director of Compliance

About VantageScore

At VantageScore we drive impact for good on a massive scale impacting tens of millions of people across the United States. Our mission is to be the leading credit modeling company delivering the most predictive, most innovative, and most inclusive tri-bureau models and attributes in the US market. Our innovation is increasing access for millions more Americans to financial products and homeownership. Our models are among, if not the most, inclusive in the United States and power billions of credit scores a year.

We are fueled by a growing, exceptionally talented team and are actively seeking individuals who can join us in driving toward our ambitious goals. At VantageScore, you’ll have the unique opportunity to work within a fast-paced, independent start-up culture while enjoying the financial stability that comes from being backed by the three leading US credit bureaus.

VantageScore® consumer credit scoring models combine the need for both financial inclusion and dependable predictiveness across all scoring ranges. An industry thought leader and technology innovation leader, the company’s most recent models score approximately 94 percent of all adults 18 and older - including approximately 33 million more people than conventional models - without sacrificing safety and soundness. As a result, lenders using VantageScore can extend credit to those who have been historically marginalized, including minority and lower-to-middle income Americans. VantageScore credit scores are used by over 3,700 banks and fintechs, and other companies use VantageScore credit scores every day to assess consumer creditworthiness.

Last year, 42 billion VantageScore credit scores were used representing a 55% yearly increase. All 10 US banks use VantageScore credit scores or digital tools in one or more lines of business. Starting in 2025, the FHFA has required VantageScore credit scores to be used for all mortgages sold to, or guaranteed by, Fannie Mae and Freddie Mac. Get started using VantageScore credit scores today - we are the leader in predictive power and financial inclusion.

About the Role

We’re looking for a Director of Compliance to build upon and scale our existing compliance program. This is a critical leadership role responsible for maturing VantageScore’s compliance program. Reporting to the Vice President, Deputy General Counsel, you will own the strategic evolution of our compliance infrastructure. The ideal candidate is a highly motivated individual with in-house compliance experience who excels in both high-level strategy and detailed execution. You will be responsible for enhancing existing policies, implementing sophisticated systems, and managing key risk areas across the Company.

You’ll partner closely with Legal, Data Science, Data & Technology, and business teams to ensure that the Company’s policies, procedures, controls, and monitoring align with relevant laws and regulations. The Director of Compliance will also be responsible for promoting a culture of integrity and ethical behavior throughout the organization.

Key Responsibilities

Compliance Enhancement & Strategy

• Lead the maturation of VantageScore’s compliance program to enhance its effectiveness and scalability.
• Review, refine, and draft corporate policies and procedures to ensure they remain best in-class, aligned with business objectives, and tailored to the organization’s operations and risk profile.
• Assist with managing the compliance governance and reporting structure, providing clear and concise updates to executive leadership.
• Lead compliance monitoring and risk assessment activities, identifying gaps and implementing corrective action plans.
• Develop and implement monitoring mechanisms and metrics to track compliance with policies and procedures.
• Stay current on federal and state laws and regulations related to the compliance program to ensure the organization’s compliance program is in compliance with all applicable legal requirements.

Substantive Compliance Management

• Privacy & Data Governance. You will focus on further developing VantageScore’s privacy program, including monitoring new privacy and data regulations. You will also work closely with the Data & Technology team to develop policies to manage data provenance challenges.
• Competition. You will enhance and further develop VantageScore’s established antitrust compliance program by updating and operationalizing policies, training, and risk assessments. You will also partner with business teams to mature program controls and ensure ongoing adherence to antitrust requirements.
• Intellectual Property. Help establish guardrails around IP creation and use and internal innovation protections. Coordinate with Legal on audits and remediation related to IP usage and documentation.

Cross-Functional Partnership

• Serve as the Legal team’s key advisor on compliance and ethics, working closely with HR, the Digital and Technology, Data Science, Product, and business teams.
• Build and deliver compliance training tailored to technical and business audiences.
• Contribute to the review of new products, features, and vendor engagements.

Required Qualifications

• Bachelor’s degree in a relevant field (e.g., compliance, law, business, public policy, finance, data/technology, or related discipline).
• Minimum of 5-7 years of experience building data governance, privacy, and other compliance programs, preferably in financial services or fintech companies.
• Demonstrated experience building and scaling compliance programs (not just maintaining them).
• Strong working knowledge of privacy, data governance, and competition concepts.
• Excellent communication skills with the ability to engage employees at all levels of the organization.

Preferred Qualifications

• Juris Doctor (JD) degree strongly preferred.
• Familiarity with the regulatory environment for credit scoring, the Fair Credit Reporting Act (FCRA) and implementing regulations, and related model governance.
• Experience with competition/antitrust and/or IP compliance in a tech or data-centric company.
• Background working closely with data science, engineering, and product teams.
• IAPP privacy (CIPP/US, CIPM, CIPT) and/or other compliance certifications.

Key Attributes for Success

• Generalist mindset with deep program-building chops. You know how to set a vision and roll up your sleeves to execute.
• Comfort in ambiguity. You are comfortable working in an evolving regulatory landscape and triage risk and drive progress.
• Business-practical orientation. You’ve learned from your prior in-house experience to aim for compliant enablement.
• High integrity and discretion. You exercise strong judgment and sound advice under time or other constraints.
• Self-motivated with a collaborative mindset and leadership presence. You thrive in collaborative environments and are a clear communicator who earns trust across technical and non-technical groups.

Additional

• Generous Benefits: 401(K) matched up to 7%, Flexible Time Off, 12 Paid Holidays, Medical/Dental/Vision/Wellness benefits, Monthly Team Events, Modern Work/Collaboration Spaces

Join Us and Be the Catalyst of Change in Fintech! Are you a compliance professional who has a deep passion for fintech? We invite you to take the leap and join our team. Together, let’s embark on a mission to redefine the industry and propel your career to new heights.