Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.
We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.
Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do.
Role Description:
The Senior Compliance Analyst will be responsible for assisting the Compliance Lead in the delivery of the Compliance Management System (CMS). The role will have a primary focus in conducting day-to-day monitoring and review related to the bank’s lending, deposit, and operational activities, as well as with the Bank’s Banking as a Service (BaaS) fintech partner programs. Further duties can be assigned at any time due to expanded activities from the bank, its partners, or regulators.
In this role you will: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, TILA, ECOA, FCRA, SCRA/MLA, Reg CC, TISA, and other federal consumer protection legislation and regulationsConduct 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 recommends changes based on risks identified or changes in laws and regulationsResponsible for monitoring of compliance related partner controls and key risk indicators by identifying weaknesses, investigating issues, and providing actionable recommendations for remediation as neededPerform transaction, account, and loan level testing as needed to verify adherence to applicable FinTech partner control requirementsDevelop 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 Banks Fintech partnersWork 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 regulationsContribute 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/reviewsParticipate in bank initiatives and projects to ensure compliance with federal, state, and local laws and regulationsAssist other Compliance staff as necessary Demonstrate the values of Lead Bank and set a personal example for team members to followPerform all other duties as assignedQualifications: Minimum of 3-5 years’ banking compliance experienceHave knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to Reg E, TILA, ECOA, FCRA, SCRA/MLA, Regulation CC, TISA, and other federal consumer protection legislation and regulationsDemonstrate exceptional communication skillsAbility to make judgements based on information provided Ability to work and complete tasks with minimal direct supervisionEager to learn and achieve proficiency Ability to motivate and lead Are curious, have humility, are open to learning and approach your work with a growth mindset Thrive working in a fluid environment with high autonomyLove to collaborate to get to the best, most efficient outcomeEmbody the growth mindset and bring a self-driven and self-starter mentality to your workWhat we offer:At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and lifeCompetitive compensation, including opportunities for equity grants and cash bonus, based on experience, geographic location, and roleMedical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRAPaid parental leaveFlexible vacation policy, including PTO and paid holidaysA fun and challenging team environment in a dynamic industry with ample opportunities for career growth *Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.
Zone 1: $115,000 - $137,500 (SF/Bay Area, NYC, Seattle, LA)
Zone 2: $97,500- $118,500 (Austin, Boston, Chicago, Denver, San Diego, DC)
Zone 3:$80,000 - $100,000 (Other US Metros)
