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Lead, Regulatory Compliance (Credit Card)

Gemini
United States
Full time
$122,000 - $170,000 per year
Hybrid

Overview

Department

Compliance

Job type

Full time

Compensation

$122,000 - $170,000 per year

Location

United States, North America

Company size

Scale Up [ 11<50 employees ]

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Lead regulatory compliance efforts for a credit card company, ensuring adherence to consumer finance regulations. Collaborate with cross-functional teams and senior management.

Requirements

  • Bachelor degree. Juris Doctor, and /or CFE preferred.
  • 6+ years of experience in regulated finance or fintech industry with a focus on credit card regulatory/consumer compliance.
  • Thorough understanding of lending/credit financial services and key laws, regulations, guidance, and industry-standard practices such as UDAAP; Regulation B, E, D/DD, Z, V; SCRA; GLBA; BSA/AML; etc. and associated regulations.
  • Strong project management, time management, and organizational skills.
  • Excellent written and verbal English communication skills with a strong attention to detail.
  • Proven ability to proactively, efficiently, and accurately assess risks in a fast-paced environment.
  • Track record of creative problem-solving, excellent written and oral communication skills, and creation of strong and trusted cross-functional relationships.
  • Interest in building the future of compliance and an owner’s mindset to your work.

    • Responsibilities

  • Supervise junior member(s) of the compliance team in areas of compliance testing and monitoring, complaint management, issue management, audit findings resolution, and governance.
  • Drive the development and execution of remediation and testing plans to address issues/findings, which may include process updates, documentation and/or training.
  • Lead the design and implementation of the monitoring & testing framework to provide independent, risk-based monitoring of regulatory compliance.
  • Provide timely and accurate advice and guidance to the Gemini Credit Card’s teams on issues arising from compliance policy areas and subject matter within the responsibility of the Compliance Department.
  • Partner with the broader Counsel team to address emerging trends, regulations and business objectives; share information about developments in the product and Compliance program to organize efficient and transparent support across the departments.
  • Take a leading role in identifying, mapping out, enhancing, documenting, and rating controls and risks as part of our Risk Assessment process.
  • Lead responses to periodic audits, reporting requirements, regulatory examinations, and assessments.
  • Act as contact person and liaison between department heads and senior management at Gemini as well as our Bank partner.
  • Monitor operational processes and procedures to ensure that the company operates in accordance with applicable regulations as well as with the CMS Policy.
  • Maintain current knowledge of applicable laws and regulations and understand regulatory impact of changes to product/service offerings.

    • Benefits

  • Competitive starting salary
  • A discretionary annual bonus
  • Long-term incentive in the form of a new hire equity grant
  • Comprehensive health plans
  • 401K with company matching
  • Paid Parental Leave
  • Flexible time off
    • Company
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