Compliance Analyst

Summary

Join Lead, a fintech building banking infrastructure, as a Compliance Analyst. You will assist in delivering the Compliance Management System (CMS), focusing on monitoring and reviewing lending, deposit, and operational activities, as well as BaaS fintech partner programs. Collaborate with various teams and partners to onboard and maintain oversight, ensuring compliance with federal and state laws and regulations. Engage in internal and external meetings, manage compliance risks and controls, and support the CMS through issue management, audit management, and complaint resolution. Review marketing materials and partner controls, identifying weaknesses and providing remediation recommendations. Assist with regulatory agency exams and external audits. This role requires a deep interest in fintech products and a dynamic work environment.

Requirements

• Minimum of 1-3 years’ banking compliance experience
• Have knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to Reg E, TILA, ECOA, FCRA, SCRA/MLA, Regulation CC, TISA, and other federal consumer protection legislation and regulations
• Demonstrate exceptional communication skills
• Ability to make judgements based on information provided
• Ability to work and complete tasks with minimal direct supervision
• Eager to learn and achieve proficiency
• Ability to motivate and lead
• Are curious, have humility, are open to learning and approach your work with a growth mindset
• Thrive working in a fluid environment with high autonomy
• Love to collaborate to get to the best, most efficient outcome
• Embody the growth mindset and bring a self-driven and self-starter mentality to your work

Responsibilities

• Work closely with the Banking as a Service Compliance Program Manager, Senior Compliance Analysts, other business lines, and Fintech partners to onboard and maintain ongoing oversight of Fintech partners. This includes the review of due diligence and ongoing program management materials
• Maintain proficient knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to, Reg E, TILA, ECOA, FCRA, SCRA/MLA, Reg CC, TISA, and other federal consumer protection legislation and regulations with a focus on consumer and commercial lending, deposit and prepaid products
• Engage in internal and external Fintech-facing meetings to identify, discuss and maintain oversight of key program elements, compliance risks and controls
• Support the Bank’s Compliance Management System and the BaaS Compliance Program by maintaining awareness and engaging in issue management, audit management, complaint resolution and marketing reviews and other related sub-processes
• Support the monitoring of compliance-related partner controls and key risk indicators by identifying weaknesses, investigating issues, and providing actionable recommendations for remediation as needed
• Assist with the review of FinTech partner marketing and program collateral to ensure alignment with regulatory requirements and compliance standards
• Develop and maintain effective working relationships across the enterprise and Fintech partners to effectively execute on compliance-related objectives
• Assist in the coordination of, and preparation for, regulatory agency exams, and external audits/reviews
• Demonstrates deep interest in Fintech products and engaging in compliance advisory and working in a dynamic and fast paced environment

Benefits

• Competitive compensation, based on experience, geographic location, and role
• Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
• Paid parental leave
• Flexible vacation policy, including PTO and paid holidays
• A fun and challenging team environment in a dynamic industry with ample opportunities for career growth