Compliance Manager, Consumer Compliance
Responsibilities
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Lead all US Compliance marketing collateral reviews to ensure compliance with applicable consumer compliance laws and regulations (e.g. UDAAP/Reg E)
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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
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Conduct quarterly quality control reviews of all partner bank marketing collateral reviews in accordance with established procedures and standards
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Communicate with partner banks on matters related to consumer compliance including those related to periodic reviews, audits and any potential remediation efforts
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Identify opportunities for enhancing policies, procedures, terms and conditions, agreements and other marketing collateral and work with stakeholders to implement improvements.
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Maintain, create and update various compliance policies, procedures and process documents including those related to consumer compliance and financial crime compliance
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Establish and maintain comprehensive Marketing & Advertising Compliance Guidelines for internal teams
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Conduct periodic audits of live digital advertisements to ensure ongoing compliance
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Assist the Compliance team with annual risk assessments and regular reporting
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Assist all team members by independently taking on special projects and completing and meeting the teams' goals
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Coordinate with various business teams for regulatory exams, due diligence, internal audits, and independent test reviews
Requirements
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5+ years of compliance experience in a financial services, fintech, or banking environment in a related consumer compliance role
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Direct experience with consumer compliance regulations, especially EFTA/Regulation E and UDAAP
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Working knowledge of prepaid and credit card functionality and involved parties
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Understanding of the responsibilities of various parties within a multi-party arrangement including the sponsor bank and the program manager
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Strong balance of growth goals with regulatory risk management, offering creative solutions, compliant alternatives to marketing proposals
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Experience supporting regulatory audits, managing remediation projects, and coordinating cross-functional compliance efforts
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Strong attention to detail and the ability to manage multiple priorities in a dynamic environment
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Experience preparing materials for working groups, committees, or regulatory submissions
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Comfort with ambiguity. You’re someone who doesn’t need a fully paved road to get moving
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Fintech or crypto industry background preferred
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Familiarity with banking regulators and examination processes is a plus