Associate - Compliance

About Bright Money

Bright Money is a Consumer FinTech for middle-income consumers. It brings together SaaS products to help consumers build credit, manage their debt, and get access to suitable loans and credit cards. These are the major financial needs of middle-income consumers living paycheck-to-paycheck.

Bright is a profitable, India-built, U.S.-market Consumer FinTech, with revenue trajectory to $100M in the coming 6 months. The business model combines subscription revenue with a financial service marketplace revenues, for loans, credit cards, and credit building tools.

• Bright has launched an AI money assistant and AI agentic UX flows for access to credit. It will be the first AI-driven Consumer FinTech for middle-income consumers.
• The Bright product suite has potential for global markets beyond the US. The market size is 100M global middle-income consumers, with a revenue pool opportunity of $15B.
• Bright is backed by 3 top global venture capital firms, and leading tech angel investors in the USA, Europe, and Asia.

Bright was founded in 2019 by a founding team from McKinsey’s Banking Practice (Petko Plachkov and Avi Patchava) and InMobi Data Scientists (Varun Modi and Avi Patchava). The core team is ex-InMobi Engineering and Data Sciences, recently joined by senior leaders from McKinsey. Bright is a data-driven, fast-paced execution culture that will build a Global Consumer FinTech, all functions operating from India.'

What is the team & role about?

As Compliance Associate, you will resolve our most escalated consumer complaints, including those from the CFPB and State Attorneys General (AG), and make sure every response is accurate, timely and defensible.

You will need to understand how Bright's products work and how U.S. consumer finance law applies to them. You will investigate the facts, decide what the rules require, write the response and confirm the fix, rather than hand cases on and wait.

• Title: Compliance Associate
• Team: Compliance, Risk & Legal
• Reports to: Senior Manager, Compliance Operations
• Location: Bengaluru

What you will do?

• Regulator and Attorney General complaints. Own CFPB, State AG, state regulator and legal-threat complaints from intake to close: investigate the facts, draft the response, meet every deadline and confirm the fix is in place.

• Review & manage Escalated (Level 3), Executive Escalations and Other portal (BBB, Trust Pilot Reviews) complaints from investigation - RCA to response, meeting deadline.

• Credit reporting disputes. Review how we report accounts against the Fair Credit Reporting Act, and recommend corrections, removals or goodwill with a documented rationale.

• Fraud and identity escalations. Work with Fraud & Risk to resolve identity-theft, mismatched-identity and duplicate-account cases, protecting the genuine consumer.

• Payments, fees and collections conduct. Assess unauthorized or duplicate charges, fee disputes, stop-payment requests and payment reminders against UDAAP, Regulation E and Nacha rules.

• Account lifecycle issues. Make sure closures, repayments, settlements and refunds complete correctly, and raise product defects to Engineering with clear evidence.

• Root cause and trends. Tag every complaint by product and root cause, report trends monthly, and track fixes to completion. Provide intake to Issues Management System for further long-term fixes.

• Playbooks and enablement. Keep complaint procedures and response templates current, and coach Customer Support on regulatory do's and don'ts.

• Executive & Bank Reporting. Ensure trend analysis and reports are sent timely to banks, executives and committees as per defined procedures.

Ideal candidate profile looks like?

• Experience. 1-2 years in consumer-finance or fintech compliance, complaint management, regulatory response or credit-reporting disputes. A bachelor's degree in law, finance, business or a related field.• Hands-on complaint work. You have personally drafted responses to the CFPB, a State AG or another regulator, and you know what a defensible response looks like.

• Product curiosity. You learn how a product actually works, so you can tell a real defect from a misunderstanding.

• Clear writing and judgment. Excellent written English, calm with upset consumers and legal threats, and careful with sensitive personal data.

• Ownership. You investigate, decide, respond and confirm the outcome, and you close the loop without being chased.

• Exposure to US Fintech Regulations is a Plus. You understand, articulate and identify the impact of US regulatory policies in daily complaints management systems.

What Bright Offers?

• A profitable sub-unicorn with U.S. market scale – liquidity potential at $1–3B valuations.

• Real ownership: You run your own BU with an independent P&L.

• Wealth creation: Equity at an inflection stage of scale.

• A data-driven, high-cadence culture that combines consulting rigor with FinTech speed.

• Location flexibility: 4 days from the Bangalore office in a week