Chief FCRA & Compliance Architect (Identity Risk)

Apply; Northern (KY); Hybrid; USD 170,000 - 190,000; Full time

Benefits offered by this job

Employer paid health insurance for you

401(k) plan with employer match

Flexible paid time off

Regular company-wide in-person events

Home office stipend

Job summary

SentiLink is seeking an experienced compliance leader to own the FCRA program and oversee end-to-end dispute handling. This role will partner with Engineering and Product to define dispute and disclosure infrastructure and scale compliance tooling as volume grows.

Ideal candidates have 7+ years in consumer financial services compliance with hands-on FCRA experience and a track record building a program from scratch in a fast-growing environment.

Qualifications

• 7+ years in consumer financial services compliance, including hands-on FCRA experience at a consumer reporting agency.
• Experience building a compliance program from scratch or major rebuilds, not just administering an inherited program.
• Direct experience operating a dispute and reinvestigation function with turnaround management.
• Strong ability to write policies, procedures, and diligence responses with minimal editing.
• Comfort with being a solo or small-team function in an early-stage environment.
• Must be legally authorized to work in the United States and reside in the United States.
• Preferred: JD, CRCM, CIPP-US, CAMS; exposure to CFPB examinations or FCRA litigation.

Responsibilities

• Build and own the entity's FCRA compliance program from a blank page including policies, procedures, training, monitoring, and periodic testing.
• Run consumer relations end-to-end: dispute intake, reinvestigation within the statutory timeline, file disclosure, identity theft blocks, and fraud alerts.
• Design and enforce permissible purpose controls, including user onboarding, certification, and recertification.
• Establish procedures to assure maximum possible accuracy, and the monitoring needed to demonstrate they work in practice.
• Partner with Engineering and Product to specify dispute and disclosure infrastructure and scale tooling with volume growth.
• Serve as the compliance point of contact for client third-party risk diligence, and support regulator, state AG, and litigation matters with Legal.
• Own consumer complaint handling across CFPB portal and state channels, feeding learnings back into procedures and product.

Skills

FCRA experience

Policy writing

Dispute management

Regulatory liaison

Compliance program build

Start-up environment

Education

J.D. / CRCM / CIPP-US / CAMS

Tools

CFPB portal

Job description

SentiLink is seeking an experienced compliance leader to own the FCRA program and oversee end-to-end dispute handling. This role will partner with Engineering and Product to define dispute and disclosure infrastructure and scale compliance tooling as volume grows.

Ideal candidates have 7+ years in consumer financial services compliance with hands-on FCRA experience and a track record building a program from scratch in a fast-growing environment.