Senior Compliance Analyst

Summary

Join Lead Bank, a fintech building banking infrastructure, as a Senior Compliance Analyst. You will assist the Compliance Lead in delivering the Compliance Management System (CMS), focusing on monitoring and reviewing lending, deposit, and operational activities, as well as BaaS fintech partner programs. This role requires close collaboration with various teams and stakeholders to ensure regulatory compliance. Responsibilities include conducting reviews, identifying risks, developing action plans, and participating in regulatory exams. The ideal candidate possesses 3-5 years of banking compliance experience and a strong understanding of relevant laws and regulations. Lead Bank offers competitive compensation, comprehensive benefits, and a dynamic work environment.

Requirements

• Minimum of 3-5 years of banking compliance experience
• Have knowledge of applicable federal and state laws, regulations, and guidance, including, but not limited to Reg E, UDAAP, TILA, ECOA, FCRA, SCRA/MLA, Regulation CC, TISA, and other federal consumer protection legislation and regulations
• Demonstrate exceptional communication skills
• Ability to make judgments 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, positive, have humility, are open to learning
• 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 Director of Compliance, Compliance Lead, other business lines, and Fintech partners to ensure consideration and accurate implementation of controls and processes necessary to meet regulatory compliance requirements
• Maintain proficient knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to, Reg E, UDAAP, TILA, ECOA, FCRA, SCRA/MLA, Reg CC, TISA, and other federal consumer protection legislation and regulations
• Conduct interviews and meetings with responsible Fintech Partner key stakeholders to gain an overall understanding of their Compliance Management System
• Review business unit and Fintech partner policies and procedures for adherence to laws and regulations and recommended changes based on risks identified or changes in laws and regulations
• Responsible for monitoring of compliance related partner controls and key risk indicators by identifying weaknesses, investigating issues, and providing actionable recommendations for remediation as needed
• Perform transaction, account, and loan level testing as needed to verify adherence to applicable FinTech partner control requirements
• Develop in collaboration with the business unit/Fintech partner, action plans and corrective action associated with monitoring/review findings, as necessary
• Develop effective working relationships with department employees, other business units, and key stakeholders of the Bank’s Fintech partners
• Work with Compliance DRI to review Fintech partner policies and procedures for adherence to laws and regulations and recommend changes based on risks identified or changes in laws and regulations
• Contribute to the completion of annual compliance risk assessments for the bank and BaaS partners, as needed
• Assist in the coordination of, and preparation for, regulatory agency exams, and external audits/reviews
• Participate in bank initiatives and projects to ensure compliance with federal, state, and local laws and regulations
• Assist other Compliance staff as necessary
• Demonstrate the values of Lead Bank and set a personal example for team members to follow
• Perform all other duties as assigned

Benefits

• 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
• Competitive compensation based on experience, geographic location, and role