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 a Compliance Manager and Designated Responsible Licensed Producer (DRLP), your mandate is to ensure the company operates in full compliance with applicable insurance laws and regulations while maintaining an effective compliance management system (CMS).
You will serve as the formally designated responsible licensed producer for the Delaware-licensed insurance agency, accountable for regulatory oversight, producer supervision, and adherence to state insurance requirements.
This role impacts OnePay’s ability to offer compliant insurance products by establishing strong governance, maintaining regulatory alignment, and ensuring operational execution meets legal and licensing standards.
You will work closely with Operations, Servicing, Product, Legal, and external partners (including carriers and regulators). This role reports to the Compliance Governance Lead.
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
5–10 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 talent@onepay.com.
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