Deposits Compliance Analyst

leadbank; United States; On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Medical, Dental, Vision

401k Matching

Paid parental leave

Flexible vacation policy

Career growth opportunities

Job summary

Lead Bank is seeking a dynamic Deposits Compliance Analyst to join our Compliance Team. This role focuses on supporting the CMS program, conducting day-to-day due diligence, monitoring activity, and assisting with partner programs to ensure regulatory compliance.

The candidate should have 1–3 years of banking experience, strong communication, and the ability to work independently in a fast-paced environment, with a growth mindset and collaborative approach.

Qualifications

• 1-3 years banking experience.
• Knowledge of CMS components (policies, escalation, reporting, audits).
• Familiar with federal and state consumer protection laws.
• Excellent written and verbal communication.
• Ability to work with minimal supervision.
• Growth mindset and collaborative approach.

Responsibilities

• Collaborate with Deposits Compliance team and fintech partners to implement controls for regulatory compliance.
• Maintain CMS knowledge and improve Lead’s CMS and partner CMS.
• Review partner policies for legal compliance and suggest changes.
• Monitor partner controls and risk indicators; propose remediation.
• Help develop corrective action plans for findings.
• Build effective relationships with internal teams and partners.
• Support consumer protection law questions related to payments.
• Uphold Lead Bank values and lead by example.
• Perform other duties as assigned.

Skills

CMS knowledge

Regulatory knowledge

Communication skills

Analytical thinking

Independent worker

Growth mindset

Job description

About Lead Bank

Lead is a banking infrastructure platform trusted by the most innovative companies to power complex financial products. We enable fintechs to offer compliant, programmable services like payments, lending, and digital assets at scale. Banking has moved beyond traditional institutions and is now embedded directly into everyday experiences, meaning companies need modern infrastructure that is safe, secure, and operationally sound.

Today, Lead is one of the only API-first, developer-focused partner banks with the financial, regulatory, and legal expertise required to help fintechs succeed. We operate offices in San Francisco, Sunnyvale, and New York City, and an FDIC-insured bank in Kansas City.

Compliance Team at Lead

The Compliance team helps Lead and its partners innovate responsibly, from onboarding and due diligence through full lifecycle oversight and remediation. They work closely with the Legal, Risk, and Audit teams to ensure partner programs operate in alignment with regulatory requirements and meet Lead’s standards for governance and accountability. At Lead, Compliance isn't a team that says "no." It's a team that figures out how to safely say "yes.” Rather than simply identifying roadblocks, this collaborative, solutions-oriented team focuses on finding practical paths forward. They value self-starters with sound judgment and the ability to work in a fast-paced environment.

Role Description:

Lead is seeking a dynamic, self-motivated compliance professional to join our Compliance Team. Lead views regulatory compliance as a key driver of innovation and this position presents a unique opportunity to play a foundational role in continuing to build and implement our forward thinking compliance strategy.

The Deposits Compliance Analyst will be responsible for assisting the Deposits Compliance team in the delivery of the Compliance Management System (CMS). The role will have a primary focus in conducting day-to-day due diligence, monitoring and review related to the Bank’s 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 Deposits Compliance team, 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 the elements related to the Bank’s Compliance Management System to enhance Lead’s CMS and those of the fintech partners included but not limited to policies and procedures, escalation and reporting, complaint handling and trend analysis, exam and audit management.
• Review business unit and Fintech partner policies, procedures, and marketing materials for adherence to laws and regulations and recommend changes based on risks identified or changes in laws and regulations.
• Monitor compliance related Partner controls and key risk indicators to identify weaknesses, research issues, and make recommendations for remediation where required.
• Assist the business unit/Fintech partner in the development of action plans and corrective action associated with monitoring/review findings, as necessary.
• Develop effective working relationships with department employees, other business units, and Fintech partners.
• Supportive resource to the business units for questions related to consumer protection laws and regulations in relation to payments including but not limited to debit/prepaid card, checks, ACH, wires and instant payments.
• Demonstrate the values of Lead Bank and set a personal example for team members to follow.
• Perform other duties as assigned.

Qualifications:

• Minimum of 1-3 years’ banking experience
• Have knowledge and experience with the elements of Compliance Management Systems (CMS), included but not limited to policies and procedures, escalation and reporting, complaint handling and trend analysis, exam and audit management.
• Have an understanding of applicable federal and state laws, regulations and guidance, including, but not limited to UDAAP, FTC Guidelines, Reg E, Reg CC, Nacha Rules, Visa/Mastercard Rules, and other federal consumer protection legislation and regulations
• Demonstrate exceptional communication skills, both writing and verbal
• Ability to make judgements with exceptional speed, based on information provided
• Ability to work and complete tasks independently, with minimal direct supervision
• Eager to learn and achieve proficiency
• Curious, have humility, open to learning and approach your work with a growth mindset
• Thrive working in a fluid environment with high autonomy
• Love to collaborate to get to the best, most efficient outcome
• Embody the growth mindset and bring a self-driven and self-starter mentality to your work

What 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 life

• Competitive compensation based on experience, geographic location, and role
• Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
• Paid parental leave
• Flexible vacation policy, including PTO and paid holidays
• A 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: $102,638 - $120,750 (SF/Bay Area, NYC, Seattle)

Zone 2: $91,966 - $108,195 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami)

Zone 3: $69,169 - $81,375 (Other US Metros)