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Brighter Future

When You Join Our Team, We Join Yours

Whether you're just starting out or looking for something new, we invite you to explore a career with us. MCM knows that our people drive our success, are our innovation, and shape our future. Here you will create real, meaningful change in the lives of our consumers, colleagues, and communities. At MCM, we won’t just work together; we’ll craft an extraordinary workplace together.

Risk and Compliance Manager

Troy, Michigan; Phoenix, Arizona; San Diego, California; St. Cloud, Minnesota; Houston, Texas; Roanoke, Virginia
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Job Description

About the Role

The Risk and Compliance Manager is responsible for promoting a culture of compliance by executing the Company's compliance strategy, as defined by the Compliance Management System. The purpose of this role is to assist the Line of Business Compliance team with developing, directing and maintaining the compliance strategy throughout various business organizations.  The ideal candidate will possess robust knowledge of all components of an effective Risk and Compliance Management System, along with having strong skills in partnering with business clients and coordinating cross-functional team projects.

This role requires sound compliance and control skills to assist in identifying, establishing, and executing against compliance-related priorities.A successful candidate will demonstrate the ability to manage cross-functional projects, facilitate meetings, develop and present materials to Senior Leadership and various committees.The Risk and Compliance Manager:

  • engages with business partners on new business projects and initiatives to advise on compliance risks and controls
  • leads business meetings and advises business partners on compliance implications of decisions
  • advises various business units on how to operationalize new or existing legal and regulatory requirements in strong partnership and coordination with MCM’s legal function, while also partnering with Corporate Risk and Compliance on tracking implementation
  • supports and leads Compliance Issue Management and Risk Event Escalation programs with business partners, including oversight, consultation, and tracking of corrective action and root cause investigation of issues
  • supports Risk and Compliance leadership in advising business partners on development of First Line controls, including drafting and revision of policies/procedures, analysis of consumer complaint trends, and implementation of preventive and detective controls
  • performs compliance risk assessments of applicable business coverage areas
  • adheres to annual Risk & Compliance plan objectives;
  • prepares custom reports and presentations for the Chief Risk and Compliance Officer, Senior Management, and various committees;
  • performs and leads other Risk and Compliance department services and projects, as appropriate

Required

  • Bachelor’s degree required
  • Good knowledge of Legal/ Regulatory requirements along with Risk and Compliance Program concepts
  • Proficient with MS Office (PowerPoint, Word, Outlook, and Excel)
  • Ability to identify opportunities & propose effective solutions
  • Excellent interpersonal and communication skills, with demonstrated leadership and executive presence
  • Ability to develop and exercise business plans, along with reviewing and editing various policies and procedures
  • Relevant experience executing on and developing the enhancement of a Risk Management Program and/or Compliance Management System

Preferred

  • Relevant business experience
  • Excellent understanding of MCM business, its day-to-day operations in call center, Legal Collections, Consumer Support services & other functions will be preferred
  • Expertise in Compliance, including ADA, FCRA, FDCPA, EFTA, TCPA, GLBA, SCRA, UDAAP, particularly as applied to debt servicing and collections.
  • Advanced proficiency with MS Office (PowerPoint, Word, Outlook, and Excel)
  • Project, program, or process management experience

Starting Compensation

Annual Salary: $83,300.00 - $132,799.00 (Amount based on office location, relevant experience, skills, and competencies)

If you are wondering why you should work for us, here is something to help you decide:

  • Pay and Bonuses: Earn a competitive salary. All employees are eligible for uncapped commission or annual bonus incentives.

  • Career Progression: Grow at MCM with paid training and development programs – including our very own MCM Academy – as well as a promote-from-within philosophy.

  • Reward and Recognition: We are committed to honoring great results – ranging from informal accolades to formal company-wide awards and prizes like all-inclusive vacations.

  • Tuition Assistance: Pursue a degree or coursework related to your current role, or the role you are striving for.

  • Healthcare Insurance: Take advantage of comprehensive healthcare plans and options to ensure your continued health, plus fitness membership reimbursements, weight watchers, our wellness rewards Program and more.

  • Volunteering Opportunities: Enjoy up to eight hours of paid time off each year to volunteer. We also offer volunteer grants and matching financial donations, up to US$ 2,500 per employee annually.

  • Retirement Savings: Build a strong financial foundation and reach your goals for the future. With all the effort you invest in us, we’re proud to invest in you.

  • New Family Support: Celebrate your new arrival with company paid leave, new parent flex time, and child back-up care options.

  • Team-building: Enjoy experiences that inspire bonds with your colleagues through a wide range of company-sponsored team-building events, such as holiday celebrations and department outings.

  • Work-Life Balance: Enjoy paid and floating holidays, as well as generous paid-time-off.

Our compensation and benefits programs were created with an 'Employee-First Approach' focused on supporting, developing, and recognizing YOU.  We offer a wide array of wellness and mental health initiatives, support volunteerism, and environmental efforts, encourage employee education through leadership training, skill-building, and tuition reimbursements, and always strive to provide promotion opportunities from within.

About Us

We are more than a specialty finance company providing debt recovery solutions for consumers. We are a global team of over 4,000 employees whose daily mission is to empower consumers to begin their path towards financial recovery and build a better life for themselves and their families. We know that the only way to support this mission is by hiring exceptional people who bring a diversity of ideas, a collaborative spirit, and a passion for attaining breakthrough results.  If you are results-driven, have a passion for helping others, and thrive in an innovative environment, this might be the right place for you!

Encore Capital Group and all of its subsidiaries are proud to be an equal opportunity employer and value diversity at our company. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application and/or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation at Talent@mcmcg.com.

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Success Profile

No matter the role, our most successful team members embody a winning combination of these qualities.

  • Drive for Results
  • Innovation and Agility
  • Leading and Enabling Change
  • Building Effective Partnerships
  • Developing Self and Others

Our Total Rewards Package

We understand the importance of the balance between work and life, between fun and professionalism, and between being a corporation and being a community. That’s why we provide compensation structures and benefit plans tailored to each of our global hubs, and then enhance them with a wide range of programs that support your personal and professional growth. It’s our way of showing you that we recognize your value, understand what’s important to you, and want to reward your contributions.

  • Holistic Wellness

    We’re focused on your wellbeing, and that means supporting you across all dimensions of wellness through company sponsored team building events, wellness challenges, lunch & learns, webinars, on-site events to foster bonds with colleagues, and more!

  • Work-Life Balance

    Our total rewards package is designed to help you thrive in and out of the office. Enjoy 11 paid holidays, generous PTO, and inclusive parental leave policies that allow new parents to bond with their growing families. Our commitment to your work-life balance is at the heart of it all.

  • Healthcare

    Take advantage of comprehensive healthcare plans and options including medical, dental and vision insurance plans to ensure your continued health, plus wellness reimbursements for fitness membership, Weight Watchers, nutrition coaching, mental health and fitness apps, Employee Assistance Program (EAP), group sports, and more!

  • 401(K) Match

    Build a strong financial foundation and reach your goals for the future. With all the effort you invest in us, we’re proud to invest in you.

  • Career Path & Development

    Grow at MCM with comprehensive paid training and development programs—including our very own MCM Academy—as well as a promote-from-within philosophy.

  • Pay & Bonuses

    Earn a competitive salary. All employees are eligible for uncapped incentives or annual bonus compensation.

  • Awards & Recognition

    Enjoy the spotlight with a commitment to honoring great results—ranging from informal accolades to formal company-wide awards and prizes like our Encore Honors program where you get to choose the prize that best fits your needs!

  • Tuition Assistance

    Unlock your full potential with tuition reimbursement program aligned to your career goals. We will support your professional development ambitions.

  • Volunteerism Support

    Enjoy up to 8 hours of paid time off each year to volunteer. We also offer volunteer grants and matching financial donations, up to $2,500 per employee annually.

Our Values In Action

Here at MCM, we are guided by a deep sense of purpose and an unwavering dedication to making a positive difference. Our doors are open to innovative and diverse perspectives, as we foster a collaborative environment where every voice is heard and celebrated. At the core of our success lies a profound commitment to our people – we invest in your growth and development, empowering you to reach your fullest potential and make a lasting impact.

The Encore Promise

The Encore Promise is our global employee value proposition, specifically created to showcase the supportive and dynamic environment our current and prospective colleagues can expect every single day. It is co-created based on our people’s feedback and is rooted in real experiences of people working at Encore.

Diversity, Equity & Inclusion

We understand that an inclusive workplace leads to better business outcomes for ourselves and the people we serve. We know that our best work happens when we embrace diversity of thought, background and lived experiences and when our unique voices are heard and celebrated. We recognize that the strength of our culture is only as strong as its ability to reflect the diversity of our people around the globe.

Improving Our Communities

Just as we look to improve the financial health and wellbeing of our consumers, we look to improve the health and wellbeing of our communities. MCM is dedicated to serving our communities through our Corporate Social Responsibility (CSR) committees, along with individual and team efforts. This culminates with our Global Volunteering Month every July where we dedicate over 1,000 hours to giving back to our communities everywhere.

You get to work with extraordinarily talented, dedicated people. It’s not the kind of place where you succeed when someone else fails. We’re a consensus-driven company that’s built on trust.

Ryan Bell President of Midland Credit Management

Life At MCM

Step inside MCM and discover a vibrant community where your talent and ambition can thrive. This video offers an intimate look at the heart of our organization - a place where passionate individuals come together to drive innovation and make a meaningful impact. Join us and unlock a future filled with purpose and success.

Celebrating Our Achievements

Great Place to Work Certified 2024-2025 – USA
America's Greatest Workplaces For Diversity – 2025
Winning 'W' Company for Female Board Representation – 2020

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