Head of Consumer & Lending Compliance (Hybrid + Equity)

Gemini; New York (NY); Hybride; USD 151 000 - 215 000; Plein temps

Avantages offerts par ce poste

Discretionary annual bonus

Equity grant

Healthcare plans

401K with company matching

Parental Leave

Flexible time off

Résumé du poste

Gemini is seeking a Senior Compliance Leader to oversee the consumer compliance program for deposit and lending products, including crypto rewards and business cards. You will guide product development within regulatory boundaries and coordinate with product, technology, legal, risk, and banking partners.

The role requires deep knowledge of UDAAP, TILA, ECOA, FCRA and other lending laws, with experience in fast-moving fintech environments.

Qualifications

• Bachelor's degree. CRCM or Juris Doctor preferred.
• 10+ years of compliance experience in credit, banking, fintech, or other financial regulatory compliance industry and at least 4+ years of experience overseeing a consumer compliance program is a must.
• Experience supporting a fast-scaling business.
• Possess deep knowledge and real world application of all lending and banking laws and regulations including UDAAP, TILA, TISA, ECOA, FCRA, EFTA, MLA, SCRA, GLBA, and CAN-SPAM
• Proven track record of providing oversight and strategic vision for the entirety of a Compliance Management System (CMS)

Responsabilités

• Oversee the consumer compliance program in accordance with applicable laws and regulations (e.g., UDAAP, ECOA, FCRA, TILA, etc.)
• Serve as the primary advisor to the credit card business and other horizon banking and lending products, providing guidance on new product development, product changes, and marketing initiatives
• Manage a team of compliance professionals responsible for monitoring and testing, complaint management, third party oversight, issue management, compliance reporting, and customer-facing communications
• Provide regular reporting to the Board of Managers and other governance committees
• Serve as the primary liaison between Gemini and its sponsor bank partner
• Respond to internal and external audits, examinations, and regulatory inquiries related to credit card card operations
• Oversee risk assessments for consumer banking products, identifying potential areas of risk and working cross-functionally to manage such risks
• Serve as the Fair Lending Officer overseeing the company’s fair lending program
• Ensure proper oversight of vendors and other third parties that present potential compliance or regulatory risk
• Oversee remediation plans for high priority issues to ensure timely remediation and remedy of any compliance-related issues
• Remain up-to-date on regulatory changes and landscapes, best practices and developments in the industry and ensure our implementation is both compliant and forward thinking
• Provide timely and accurate advice and guidance to the Gemini’s staff on issues arising from compliance policy areas and subject matter within the responsibility of the Compliance Department

Connaissances

Leadership

Regulatory expertise

Regulatory compliance

Stakeholder communication

Formation

Bachelor's degree

CRCM or Juris Doctor

Description du poste

Gemini is seeking a Senior Compliance Leader to oversee the consumer compliance program for deposit and lending products, including crypto rewards and business cards. You will guide product development within regulatory boundaries and coordinate with product, technology, legal, risk, and banking partners.

The role requires deep knowledge of UDAAP, TILA, ECOA, FCRA and other lending laws, with experience in fast-moving fintech environments.