Independent Compliance Risk Manager (Marketing)

Lending Club; San Francisco (CA); Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Hybrid work model

Wellness program

Paid time off

Volunteer time and donation matching

Onsite gym

Job summary

Happen Bank seeks an Independent Compliance Risk Manager – Marketing to oversee marketing and advertising compliance across channels. You’ll partner with Marketing, Legal, Product Compliance, and Product to identify regulatory risk and establish controls.

You will review materials, maintain compliance standards, leverage AI for review efficiency while ensuring human oversight, and support regulatory examinations. Hybrid role; 4+ years in marketing compliance required.

Qualifications

• Bachelor’s degree or higher, or equivalent experience.
• CRCM or similar certification preferred.
• Experience in marketing compliance or financial services.
• Strong knowledge of ECOA, UDAAP, TILA, CAN-SPAM, and Fair Lending regulations.

Responsibilities

• Review and approve marketing materials for compliance.
• Develop and maintain marketing compliance standards and controls.
• Collaborate with Marketing, Legal, Product, Risk to mitigate regulatory risks.
• Leverage AI to review content while ensuring human oversight.
• Support regulatory examinations and audits.

Skills

Excellent communication

Analytical thinking

Regulatory knowledge

Cross-functional collaboration

AI in compliance

Education

Bachelor’s degree or higher

CRCM certification

Tools

Excel

PowerPoint

Visio

MS Office

Job description

• Happen Bank’s Second Line Compliance Department is seeking an Independent Compliance Risk Manager – Marketing to provide oversight and guidance across the Bank’s marketing and advertising activities
• In this role, you’ll partner with Marketing, Legal, Product Compliance, and Product to identify regulatory risk, establish appropriate standards and controls, and ensure customer communications comply with applicable laws, regulations, and internal policies
• You’ll serve as a subject-matter expert for marketing compliance, helping the business identify risk early while enabling compliant, effective marketing across channels
• Serve as a subject-matter expert for Marketing Compliance, providing independent oversight and guidance across the Bank’s marketing program
• Establish and maintain marketing compliance standards, policies, procedures, and controls that align with applicable regulatory requirements and the Bank’s risk appetite
• Ensure marketing and advertising activities comply with applicable laws and regulations, including ECOA, UDAAP, TILA, CAN-SPAM, and Fair Lending requirements
• As needed, review and approve marketing materials across email, web, digital advertising, landing pages, social media, direct mail, and other customer communications, ensuring required disclosures, DISCLAIMERS, and terms are clear and accurate
• Maintain the Bank’s marketing and communications guide, including approved disclosures, and partner with Legal and Product Compliance to develop new guidance as requirements evolve
• Assess regulatory risks and controls across marketing processes and campaigns, partnering with Marketing, Product, Legal, and Risk to identify issues early and develop appropriate risk mitigation strategies
• Maintain and improve automated systems that support marketing asset reviews, using AI where appropriate to efficiently review content, identify potential compliance concerns, and keep guidance current while maintaining appropriate human oversight
• Stay current on regulatory developments affecting marketing and advertising in financial services and support internal audits and regulatory examinations related to marketing practices

Benefits

• Untracked vacation for salaried employees, which means take it when you need it, and generous paid time off for hourly team members
• A hybrid work model that balances in-office and work from home
• Leading health and safety protocols related to COVID, including complimentary at-home testing kits from Cue Health for those coming to the office
• Up to 16 weeks paid leave for new parents, plus a fully paid, phased return-to-work policy for qualified leaves
• Mothers Rooms and hospital-grade pumps in every LC office
• Generous and varied mental health benefits
• Wellness program with cash incentives — earn up to $75 per month for being active
• Paid volunteer time and donation matching
• Onsite gym, locker room, bike room, and fitness classes (depending on location)
• Café with our own in-house barista
• Stocked pantries with healthy snacks and drinks
• Technology-forward and collaborative office spaces

You’re organized and detail-oriented, with the ability to quickly understand how business objectives, customer communications, and evolving regulatory requirements intersectExperience working in fast-paced, dynamic environments and delivering high-quality results across competing priorities, aggressive timelines, and evolving requirementsStrong communication and influencing skills with the ability to partner effectively across Marketing, Legal, Product, Risk, and other business teamsStrong analytical and critical thinking skills with the ability to identify compliance risks and apply sound judgment in fast-moving marketing environmentsYou actively look for ways AI can improve how you review marketing content and assess compliance risk, while maintaining a high bar for accuracy, data sensitivity, regulatory requirements, and where human judgment and validation are neededStrong working knowledge of consumer protection requirements including ECOA, UDAAP, TILA, CAN-SPAM, and Fair Lending regulations, and the controls needed to mitigate related risksBachelor’s degree or higher, or equivalent combination of education and experience4+ years of experience in marketing compliance, consumer protection, or financial services complianceYou take ownership of your work and proactively identify and escape compliance risks before they become larger issuesTime Zone Requirements: Local hours (PT, MT)While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessaryTravel Requirements: As needed travel to Happen Bank offices and/or other locations, as neededCertified Regulatory Compliance Manager (CRCM) or similar professional certificationProficiency with Excel, PowerPoint, Visio, and other Microsoft Office toolsExperience supporting regulatory examinations and compliance audits, including developing and tracking corrective actions