Compliance Manager, Insurance (DRLP)

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

• Ready to run

• Hungry and driven by urgency

• Exceptional at what they do, with low ego

• Comfortable operating in motion

As Insurance Compliance Manager, you will serve as the architect and owner of OnePay’s insurance compliance function. Your mandate is to design, implement, and continuously evolve a scalable compliance management system (CMS) that enables the business to develop and operate compliant insurance products while managing regulatory risk.

You will operate as a strategic partner to Product, Operations, and Legal—translating regulatory requirements into pragmatic, business-aligned frameworks that support growth without compromising compliance. This role is accountable for establishing governance, defining standards, and embedding compliant practices across the insurance lifecycle (product design, distribution, servicing, and partner oversight).

In parallel, you will serve as the Designated Responsible Licensed Producer (DRLP) for the Delaware-licensed insurance agency, with formal accountability for regulatory oversight, producer supervision, and adherence to state insurance requirements. The DRLP responsibility is an extension of your broader ownership of the compliance function—not the primary focus of the role.

You will work closely with Operations, Servicing, Product, Legal, and external partners (including carriers and regulators). This role reports to the Compliance Governance Lead.This role is responsible for:

• Serving as the Designated Responsible Licensed Producer (DRLP) for the Delaware insurance agency

• Maintaining active producer license(s) with appropriate lines of authority

• Providing direct oversight of all insurance-related activities conducted under the entity license

• Acting as the primary regulatory point of accountability for state insurance departments

• Ensuring compliance with insurance statutes, regulations, and DOI guidance

• Regulatory change management

• Compliance training programs

• Providing compliance guidance on insurance products, distribution models, and marketing practices

• Supporting new product launches and market expansions with regulatory analysis

• Reviewing producer conduct, disclosures, and sales practices for compliance risk

• Developing and monitoring KPIs and KRIs related to insurance compliance

• Conducting risk assessments across insurance operations

• Analyzing data to identify trends, control gaps, and emerging regulatory risks

• Developing and maintaining insurance-specific policies and procedures

• Implementing controls and testing frameworks aligned to regulatory expectations

• Supporting internal and external audits and regulatory exams

• Overseeing individual producer licensing, appointments, and renewals across applicable states

• Ensuring all producers operate within their authorized lines of authority

• Establishing and maintaining producer supervision frameworks, including training and attestations

• Managing relationships and compliance requirements with carrier partners

• Assisting in the day-to-day oversight and enhancement of OnePay’s compliance management system (CMS)

• Developing and managing core compliance functions:

  • Complaints management and remediation

  • Issue management and corrective action tracking

• Additional duties as assigned

• 5 years + experience in insurance compliance, agency operations, or regulatory risk

• Active insurance producer license (Delaware required; multi-state preferred)

• Ability to qualify as Designated Responsible Licensed Producer (DRLP) under Delaware law

• Experience with insurance distribution, producer licensing, and carrier relationships

• Strong working knowledge of state insurance regulatory frameworks

• Experience in fintech, embedded insurance, or multi-state distribution models

• Prior experience serving as a DRLP or equivalent responsible producer role

• Strong ownership mindset with bias toward execution

• Ability to influence cross-functional stakeholders and enforce compliance standards

• Excellent analytical, project management, and communication skills

• Ability to translate regulatory requirements into operational controls

Our teams collaborate remotely and in our work spaces in New York and Sacramento.

• Competitive cash - we don’t discount based on location

• Benefits effective on day one

• Early access to a high potential, high growth fintech

• Generous stock option packages in an early-stage startup

• Remote friendly (anywhere in the US) and office friendly - you pick the schedule

• Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave

• 401(k) plan with match

• Initial Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at [email protected].