Compliance Manager, Consumer Compliance

Responsibilities

• Lead all US Compliance marketing collateral reviews to ensure compliance with applicable consumer compliance laws and regulations (e.g. UDAAP/Reg E)

• Assist legal and other stakeholders with new product launches and product changes by considering compliance with Reg E and any additional requirements from external banking partners

• Conduct quarterly quality control reviews of all partner bank marketing collateral reviews in accordance with established procedures and standards

• Communicate with partner banks on matters related to consumer compliance including those related to periodic reviews, audits and any potential remediation efforts

• Identify opportunities for enhancing policies, procedures, terms and conditions, agreements and other marketing collateral and work with stakeholders to implement improvements.

• Maintain, create and update various compliance policies, procedures and process documents including those related to consumer compliance and financial crime compliance

• Establish and maintain comprehensive Marketing & Advertising Compliance Guidelines for internal teams

• Conduct periodic audits of live digital advertisements to ensure ongoing compliance 

• Assist the Compliance team with annual risk assessments and regular reporting

• Assist all team members by independently taking on special projects and completing and meeting the teams' goals

• Coordinate with various business teams for regulatory exams, due diligence, internal audits, and independent test reviews

Requirements

• 5+ years of compliance experience in a financial services, fintech, or banking environment in a related consumer compliance role

• Direct experience with consumer compliance regulations, especially EFTA/Regulation E and UDAAP

• Working knowledge of prepaid and credit card functionality and involved parties

• Understanding of the responsibilities of various parties within a multi-party arrangement including the sponsor bank and the program manager

• Strong balance of growth goals with regulatory risk management, offering creative solutions, compliant alternatives to marketing proposals

• Experience supporting regulatory audits, managing remediation projects, and coordinating cross-functional compliance efforts

• Strong attention to detail and the ability to manage multiple priorities in a dynamic environment

• Experience preparing materials for working groups, committees, or regulatory submissions

• Comfort with ambiguity. You’re someone who doesn’t need a fully paved road to get moving

• Fintech or crypto industry background preferred

• Familiarity with banking regulators and examination processes is a plus