Hybrid Fintech Compliance Manager | CMS & Vendor Oversight

Hatch Bank; San Marcos (CA); Hybrid; USD 85,000 - 125,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401K

Paid time off

Job summary

Hatch Bank is seeking a Compliance Manager to strengthen the scalability and effectiveness of its Compliance Management System (CMS) across consumer and lending compliance for fintech partnerships and internal lines. You will oversee testing, complaints, vendor oversight, and governance reporting, reporting to the Director of Compliance.

The role focuses on automation, risk assessments, and ongoing regulatory monitoring.

Qualifications

• Bachelor’s degree in Business, Law, Finance, or related field.
• Minimum of 8 years of experience in financial services compliance, with emphasis on consumer and lending compliance and fintech/third-party oversight (BaaS experience).
• Strong understanding of applicable consumer protection and lending laws and regulations, including FDIC, CFPB, Fair Lending, UDAAP, Reg B, Reg Z, FCRA, and GLBA.
• Strong understanding of compliance management, including issue management, monitoring, testing, complaints, and governance reporting.
• Compliance certification strongly preferred (CRCM, CAMS, or similar).
• Ability to manage through influence and drive accountability without direct authority.]
• Excellent leadership, communication, and organizational skills
• Ability to manage competing priorities in a fast-paced, regulated environment.

Responsibilities

• Oversee consumer and lending compliance across the Bank’s fintech partnerships and internal business lines, ensuring adherence to applicable laws including ECOA/Reg B, TILA/Reg Z, UDAAP, FCRA, FDCPA, EFTA, ESIGN, CAN-SPAM, and GLBA/Privacy.
• Conduct, document, and report on compliance testing and transaction reviews (“Lending Reviews”), uploading results into Themis or an equivalent system and tracking finding remediation through closure
• Lead consumer compliance risk assessments for the Bank and its Third-Party Relationships (TPRs), including Fair Lending, UDAAP, and Enterprise Compliance Management
• Monitor and assess emerging risks and regulatory developments, providing timely reporting to stakeholders
• Support, enhance, and maintain the Bank’s CMS, including issue management, monitoring, testing, complaints, and governance reporting
• Provide management-level oversight for assigned fintech partners, handling day-to-day oversight, follow-up, and escalation support closer to the source while preserving Director-level oversight
• Partner with compliance leadership, technology, operations, and fintech partner stakeholders to identify and improve CMS processes through automation, workflow tools, and enhanced reporting
• Support the implementation and refinement of technology-enabled CMS solutions that strengthen scalability and effectiveness
• Manage regulatory complaint resolution and response for the FDIC, DFPI, CFPB, and other relevant agencies
• Oversee complaint procedures and reporting for fintech partners and escalates high-risk complaints appropriately
• Analyze complaint trends and partner-level complaint percentages relative to total volume to identify escalated concerns and benchmark against risk appetite
• Review and approve Bank and TPR vendor due diligence in alignment with regulatory expectations
• Conduct comprehensive onboarding and ongoing oversight of TPRs, including initial due diligence, product and marketing program review, and CMS and BSA compliance
• Support product launch readiness, UAT, and regulatory alignment for new fintech partnerships
• Conduct regular compliance touchpoints with each assigned fintech partner
• Review and approve consumer-facing collateral, including marketing content, disclosures, application flows, adverse action notices, and pre-qualification/pre-approval offers
• Ensure accuracy and regulatory alignment in the use of reason codes and disclosures
• Approve policies and procedures related to consumer harm mitigation for both the Bank and TPRs
• Serve as primary liaison for internal and external audits and regulatory exams in relevant areas
• Coordinate document requests, interviews, and response drafting
• Assist with Board reporting of Key Risk and Key Performance Indicators
• Develop and deliver compliance training programs for the Bank and fintech partners as needed
• Implement Risk and Compliance initiatives
• Conduct research on developing regulations or enforcement actions
• Performs other tasks that may be assigned from time to time

Education

Bachelor’s degree in Business, Law, Finance, or related field

Job description

Hatch Bank is seeking a Compliance Manager to strengthen the scalability and effectiveness of its Compliance Management System (CMS) across consumer and lending compliance for fintech partnerships and internal lines. You will oversee testing, complaints, vendor oversight, and governance reporting, reporting to the Director of Compliance.

The role focuses on automation, risk assessments, and ongoing regulatory monitoring.