Financial Services Representative engaging clients in a fast - paced Banking Centre. Providing tailored financial solutions while building meaningful relationships with clients.
About the role
- Compliance Manager overseeing compliance functions for financial services in collectibles. Designing CMS and ensuring KYC, fraud prevention, and regulatory guidance compliance.
Responsibilities
- Design, implement, and continuously enhance a comprehensive Compliance Management System (CMS) covering our embedded finance products, including governance, policies, and issue management.
- Develop and maintain the compliance risk assessment framework, documenting inherent and residual risk in alignment with partner financial institution expectations.
- Own and maintain written policies for KYC/CIP, AML/BSA, sanctions screening, fraud prevention, and key consumer compliance areas (e.g., UDAAP, TILA/Reg Z, FCRA).
- Establish relevant compliance committees and working groups, driving clear documentation and escalation paths to senior leadership.
- Oversee the design of KYC/CIP workflows across customer journeys, including documentation of standards, exception handling, and QA.
- Partner with internal teams and external providers to define fraud and AML transaction monitoring rules and investigative playbooks.
- Serve as the primary compliance point of contact for AML/BSA and sanctions matters with our banking partners and other financial institutions.
- Embed compliance requirements early in the product development lifecycle for new financial initiatives by partnering closely with the Financial Services Team, Product and Engineering.
- Review and approve product flows, marketing materials, disclosures, and customer-facing communications for regulatory compliance.
- Build and oversee compliance monitoring and testing plans, including targeted reviews of collections, servicing, and complaints handling.
- Define and manage the delivery of monthly and quarterly compliance reporting packages to sponsor bank.
Requirements
- 5+ years in financial services compliance, with significant time spent in financial crimes (AML/BSA, KYC, fraud) at a bank, fintech, or BaaS platform, ideally serving as U.S.-based Compliance Officer and BSA Officer.
- Demonstrated experience building or significantly enhancing a CMS for various embedded finance products.
- Deep working knowledge of key U.S. regulations, including BSA/AML, USA PATRIOT Act, OFAC, UDAAP, TILA/Reg Z, and FCRA.
- Hands-on experience partnering with banking-as-a-service partners or sponsor banks on program construction, oversight and exams.
- Strong background in fraud strategy and controls, including familiarity with identity verification and transaction monitoring tools.
- Bachelor’s degree required; CRCM (Certified Regulatory Compliance Manager) or CAMS (Certified Anti-Money Laundering Specialist) is strongly preferred.
- Excellent written and verbal communication skills, with the ability to translate complex regulatory requirements into practical business guidance.
Benefits
- Health Insurance: All full-time employees are eligible to enroll in Medical, Dental, and Vision.
- Additional Benefits: Full-time employees are eligible for fertility, commuter, and educational assistance benefits.
- 401(K) Matching Plan: We are proud to offer a competitive 401k matching plan to support your future financial goals.
- Vacation: All salaried employees are eligible for flexible time-off.
- Holiday Pay: All regular, full-time employees are eligible for ten company-paid holidays.
- Employee Discounts: Employees receive discounts on select grading services for approved submissions.
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