Cardless is hiring a
Compliance Analyst in United States

Summary

The Compliance team at Cardless is responsible for monitoring, controlling, and mitigating risks related to consumer credit card products, including anti-money laundering (AML), counter-terrorist financing (CTF), sanctions compliance, fair lending laws, and their implementing regulations. The team collaborates with the compliance team at the issuing bank and develops Cardless' internal controls, trains staff, conducts program and partner monitoring, and performs operational work.

Requirements

• 3-4 years of compliance operations experience, preferably both in traditional financial institutional and FinTech environments
• Knowledge of legal and regulatory requirements that apply to financial institutions, as well as the research skills necessary to understand new or evolving regulation
• Knowledge of AML laws and regulations, including a general and broad understanding of AML, financial and reputational risks (PEPs, Sanctions, Anti-Bribery & Corruption)
• Familiarity with performing compliance operations functions, especially due diligence investigations and audit trail management
• Strong critical thinking skills and an investigative instinct
• Familiarity with reporting thresholds and requirements
• Strong time management skills
• Experience in payments compliance and/or AML investigations experience a plus
• Effective oral, written and interpersonal communication skills
• Ability to treat confidential information with professionalism and discretion

Responsibilities

• Support the Compliance Director by assisting in day-to-day Compliance Program management
• Investigate KYC/AML screening results, including researching public records and drafting due diligence reports as needed
• Conduct customer due diligence (CDD) investigations for new and existing credit card account holders, as well as for critical vendors, brand partners, and other entities as needed
• Monitor and conduct ongoing CDD in a risk-sensitive manner keeping in mind Cardless' product and service offering
• Assist in developing new-hire and employee training in areas such as AML/OFAC, Truth in Lending Act, Equal Credit Opportunity Act, and red flags
• Review ad-hoc escalations from strategic partners as well as internal teams and determine next steps