Fintech Partner Banking Manager

Madison-Davis, LLC; New York (NY); On-site; USD 150,000 - 190,000; Full time

Job summary

Madison-Davis, LLC is partnering with a growing financial institution to recruit an experienced compliance professional for fintech and embedded-finance partnerships. The senior individual-contributor role emphasizes ownership of due diligence, regulatory guidance, and strengthening the partner risk framework.

The ideal candidate will assess fintech health and the maturity of each partner's compliance program, translating findings into actionable onboarding, remediation, or termination

Qualifications

• 8+ years in banking compliance or fintech risk.
• Hands-on due diligence of fintech partners required.
• Strong knowledge of consumer protection and fintech regulations.
• Experience translating findings into risk ratings and partner recommendations.

Responsibilities

• Lead regulatory and compliance due diligence for fintech partners.
• Develop partner-risk assessments with clear senior-management recommendations.
• Evaluate fintech financial health and sustainability indicators.
• Assess partner compliance programs across governance and controls.
• Advise on consumer regulatory requirements (TILA, ECOA, FCRA, UDAP).
• Collaborate with risk, legal, IT, and product teams to fix gaps.

Skills

Banking compliance

Due diligence

Regulatory requirements

BSA/AML

CIP/KYC

Fintech partnerships

Risk assessment

Data analysis

Tools

AI-assisted research tools

Job description

We are partnering with a growing financial institution seeking an experienced compliance professional to support its fintech and embedded-finance partnerships.

This is a senior individual-contributor role with significant visibility and ownership. The individual will assess prospective and existing fintech partners, advise business leaders on regulatory requirements, and help strengthen the compliance framework supporting a growing partner ecosystem.

A major focus of the position is fintech partner due diligence and risk assessment. The ideal candidate can evaluate both the financial health of a fintech and the strength of its compliance program, then translate those findings into practical recommendations regarding onboarding, continued partnership, remediation, or termination.

Key Responsibilities

• Lead regulatory and compliance due diligence for new and existing fintech partners, including initial reviews, periodic assessments, and reviews triggered by material changes or risk events.
• Develop consistent partner-risk assessments and provide clear recommendations to senior management and governance stakeholders.
• Evaluate fintech financial health, including financial statements, liquidity, funding sources, capital runway, unit economics, business-model sustainability, and other indicators of ongoing viability.
• Assess partner compliance programs across governance, policies and procedures, staffing, controls, monitoring and testing, complaint handling, regulatory history, and enforcement matters.
• Advise business teams and fintech partners on consumer regulatory requirements, including TILA, ECOA, FCRA, Regulation E, Regulation DD, Regulation P, and UDAAP/UDAP.
• Work closely with BSA/AML leadership on matters involving CIP/KYC, transaction monitoring, suspicious activity reporting, sanctions, and other financial-crime risks associated with partner programs.
• Evaluate cross-border fintech relationships, including foreign banking and payments licensing considerations and related regulatory, AML, sanctions, and financial risks.
• Provide compliance guidance throughout the partner lifecycle, including onboarding, contract considerations, ongoing oversight, issue management, remediation, and relationship changes.
• Review customer communications, disclosures, and marketing materials for regulatory compliance when needed.
• Partner with Compliance, Risk, Legal, Information Security, Product, Engineering, and Operations to identify control weaknesses and implement scalable solutions.
• Monitor regulatory developments, enforcement activity, and supervisory expectations affecting fintech partnerships and translate changes into practical business guidance.
• Support OCC and other regulatory examinations, internal audits, information requests, and remediation efforts involving third-party or fintech programs.
• Contribute to senior management and Board-level reporting regarding partner risks, control issues, and emerging regulatory concerns.
• Use modern compliance technology, including AI-assisted research and analysis tools, to improve the efficiency and consistency of regulatory and partner-risk assessments.
• Analyze data flows and system integrations between the institution and its partners to identify potential compliance and control gaps.

Candidate Profile

• 8+ years of experience across banking compliance, financial-services risk, fintech oversight, or related areas.
• Significant exposure to consumer compliance, BSA/AML, and bank-fintech partnerships.
• Direct experience conducting hands-on due diligence of fintech partners is essential.
• Ability to assess both:
• Financial viability: financial statements, liquidity, funding, capital runway, unit economics, and business-model sustainability.
• Compliance maturity: governance, policies, controls, staffing, testing, monitoring, complaints, and regulatory/enforcement history.
• Demonstrated ability to combine financial and compliance findings into well-supported risk ratings and partner recommendations.
• Knowledge of cross-border financial-services risks and familiarity with foreign banking or payments licensing frameworks.
• Strong working knowledge of major federal consumer protection requirements, including TILA, ECOA, FCRA, UDAAP/UDAP, Regulations E, DD, and P, as well as BSA/AML requirements relevant to fintech programs.
• Familiarity with current federal supervisory expectations governing third-party relationships, fintech partnerships, and third-party deposit arrangements.
• Experience advising business stakeholders in a rapidly growing, newly established, or evolving banking environment.
• Comfortable working with AI-enabled compliance/research tools and performing data-flow and data-mapping analysis across partner integrations.