ERM Compliance Lead

United States Digital Space LLC; New York (NY); Hybrid; USD 111,000 - 135,000; Full time

Benefits offered by this job

Remote‑work for up to 4 weeks per year

Job summary

the company LLC, a subsidiary of Capital One, N.A., is seeking a Risk & Compliance Lead in New York City. The role is hybrid, with three in-office days (Mon, Wed, Thu) and up to four weeks of fully remote work annually.

You will drive regulatory compliance programs, partner with Legal, People, and GRC, and oversee audits and partner reporting to enable responsible growth in a highly regulated space.

Qualifications

• 3+ years of experience in compliance or risk within financial services.
• Knowledge of regulations governing card, lending, and deposits (Reg B, UDAAP, FTC, Dodd-Frank) with BSA/AML and KYC familiarity.
• Experience with risk assessments, issue management, policy maintenance, or regulatory change management.
• Exceptional communication and interpersonal skills for collaboration with bank partners, auditors, and internal teams.
• Detail-oriented with strong organizational and project management abilities.
• Hands-on, concise and straightforward style; collaborative and delivery-focused.

Responsibilities

• Develop and enhance the organization’s compliance program aligned with regulatory requirements and industry best practices.
• Manage issue governance, remediation oversight, reporting, workflow automation, and ongoing process improvements.
• Oversee compliance reviews of new products and material changes with risk assessment and stakeholder engagement.
• Collaborate with Legal, People, and GRC to implement compliance initiatives such as third-party risk management.
• Implement workflow tools to support core compliance program initiatives (risk assessment, issue management, etc.).
• Review, submit, and track external inquiries including audits and bank partner requests.
• Coordinate cross-functionally to ensure timely monthly bank partner reporting.
• Represent the company in external audits and bank partner reviews; manage relationships with external auditors and bank partners.

Skills

Compliance experience

Regulatory knowledge

Policy maintenance

Communication skills

Organizational skills

Hands-on approach

Collaboration

Tools

Workflow tools

Job description

Why join us

the company is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, the company enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly. the company’s AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most. Tens of thousands of the world's best companies run on the company, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek.

Working at the company allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry. We’re committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream. We make this a reality by empowering you with the tools, resources, and support you need to grow your career.

Compliance at the company

The Compliance team helps the company grow responsibly, advocating for the company and for the tens of thousands of growing businesses we serve. We own the compliance policies for the company, provide strategic advice and guidance to all the company teams, protect the company from financial crime and other compliance risks, and represent the company externally on key regulatory and policy issues. Reimagining the financial system in a highly regulated environment requires creativity and resourcefulness, and we welcome the challenge.

What you’ll do

As a Risk & Compliance Lead at the company, you will play a critical role in ensuring compliance with regulatory requirements and internal policies regarding the regulatory compliance program. This role involves managing activities related to core compliance program processes and frameworks and ensuring that the company adheres to its regulatory and partner obligations. The role will report directly to the company’s Director, Compliance Governance.

Where you’ll work

This role will be based in our New York City office. We are a hybrid environment that combines the energy and connections of being in the office with the benefits and flexibility of working from home. We currently require a minimum of three coordinated days in the office per week, Monday, Wednesday and Thursday. As a perk, we also have up to four weeks per year of fully remote work!

Responsibilities

• Assist in developing and enhancing the organization’s compliance program in alignment with regulatory requirements and industry best practices.

• Assist with development, implementation, and management of compliance issue management, including issue governance, remediation oversight, reporting, workflow automation, and ongoing process improvements.

• Manage compliance reviews of new products and material changes, ensuring appropriate risk assessment, stakeholder engagement, and adherence to regulatory requirements.

• Work closely with various departments (Legal, People, GRC) to implement or enhance compliance program initiatives, such as third-party risk management

• Manage the implementation of workflow tools to support core compliance program initiatives (risk assessment, issue management, etc.)

• Assist with review, submit, and track external inquiries, including but not limited to external audit, internal audit, and bank partner requests.

• Collaborate cross functionally with internal teams to ensure timely submission of monthly bank partner reports.

• Represent the company in external audits and bank partner reviews.

• Manage relationships with external auditors and bank partners.

Requirements

• 3+ years of experience in compliance or risk within financial services

• Working knowledge of the regulations that govern card, lending, and deposit products (Regulation B, UDAP/UDAAP, FTC rules, and Dodd-Frank) plus familiarity with BSA/AML and KYC obligations

• Experience contributing to core compliance program work: risk assessments, issue management, policy and procedure maintenance, or regulatory change management

• Exceptional communication and interpersonal skills, with the ability to collaborate effectively with bank partners, external auditors, and internal teams.

• Detail-oriented with strong organizational and project management abilities.

• A hands-on approach, concise and straightforward style

• A love for collaboration, teamwork, and delivering excellence

Nice to Have

• Prior experience managing and/or implementing workflow tools

• Thrives as a generalist across multiple compliance program components rather than owning a single narrow lane

• Experience at a fintech or a bank that sponsors fintech programs

• Experience supporting change management or new product/material change review (NPI/change control committees, risk assessments for product launches)

• Comfort building recurring reporting and dashboards; basic data fluency (Looker, SQL, or advanced spreadsheet work) to support monthly bank partner reporting

• Professional certification such as CRCM, CAMS, CRMA, or CIA is a plus

• Proficiency in compliance management and audit software

Compensation

The expected salary range for this role is $111,000 - $135,000 USD. However, the starting base pay will depend on a number of factors, including the candidate’s location, skills, experience, market demands, and internal pay parity. Depending on the position offered, equity and other forms of compensation may be provided as part of a total compensation package.

the company LLC is a wholly owned subsidiary of Capital One, N.A.