Lead, Regulatory Compliance (Credit Card)

Gemini Trust Company; New York (NY); Hybrid; USD 122,000 - 170,000; Full time

Job summary

A leading company in the crypto space is seeking a Lead for Regulatory Compliance. This role involves overseeing compliance management, ensuring adherence to consumer finance regulations, and collaborating with various teams. The ideal candidate will have extensive experience in the fintech industry and a strong understanding of compliance laws. The position offers competitive compensation, including a base salary, bonuses, and benefits.

Benefits

Competitive starting salary

Discretionary annual bonus

New hire equity grant

Comprehensive health plans

401K with company matching

Paid Parental Leave

Flexible time off

Qualifications

• 6+ years of experience in regulated finance or fintech with a focus on credit card compliance.
• Thorough understanding of lending/credit financial services and key laws.

Responsibilities

• Supervise compliance testing and monitoring processes.
• Lead the design and implementation of compliance monitoring frameworks.
• Act as liaison between department heads and senior management.

Skills

Project Management

Time Management

Organizational Skills

Communication

Problem Solving

Education

Bachelor Degree

Juris Doctor

Job description

About the Company

Gemini is a global crypto and Web3 platform founded by Tyler Winklevoss and Cameron Winklevoss in 2014. Gemini offers a wide range of crypto products and services for individuals and institutions in over 70 countries.

Crypto is about giving you greater choice, independence, and opportunity. We are here to help you on your journey. We build crypto products that are simple, elegant, and secure. Whether you are an individual or an institution, we help you buy, sell, and store your bitcoin and cryptocurrency.

At Gemini, our mission is to unlock the next era of financial, creative, and personal freedom.

The Department: Compliance

Compliance at Gemini is a team dedicated to managing the next generation of financial crime prevention and regulatory compliance in a complex and evolving environment. We are a diverse group of technology, legal, and operational professionals who develop new approaches to solving classic problems using cutting edge tools and processes.

The Role: Lead, Regulatory Compliance (Credit Card)

In this role, you will be the ultimate compliance subject matter expert across consumer finance regulation, issue management and remediation, product ideation, and other domains. You will have a leading role in shaping and executing the Compliance Management System (CMS) to deliver products that put customers first in line with the requirements set to us by consumer finance regulations and partners. You will work with the Head of Compliance in managing the issue management/resolution, internal testing, product change/ideation regulatory review, and governance processes.

The ideal candidate will have significant experience in consumer financial compliance at a credit card company, FinTech or other financial services setting. A deep understanding of and experience with consumer regulations such as ECOA, TILA, UDAAP, FRCA, among others is required. This position will have the opportunity to be exposed to senior management and the Board by delivering and managing presentations, KPIs. The Regulatory Compliance Lead will have a strong resourceful aptitude for organization, applying rules and regulations in real-time scenarios as well as collaboration with inter-departmental business unit owners, and fostering a culture of compliance throughout the organization.

This role is required to be in person twice a week at either our Seattle, WA, New York City, NY, or Miami, FL office.

Responsibilities:

• Supervise junior member(s) of the compliance team in areas of compliance testing and monitoring, complaint management, issue management, audit findings resolution, and governance.
• Drive the development and execution of remediation and testing plans to address issues/findings, which may include process updates, documentation and/or training.
• Lead the design and implementation of the monitoring & testing framework to provide independent, risk-based monitoring of regulatory compliance.
• Provide timely and accurate advice and guidance to the Gemini Credit Card’s teams on issues arising from compliance policy areas and subject matter within the responsibility of the Compliance Department.
• Partner with the broader Counsel team to address emerging trends, regulations and business objectives; share information about developments in the product and Compliance program to organize efficient and transparent support across the departments.
• Take a leading role in identifying, mapping out, enhancing, documenting, and rating controls and risks as part of our Risk Assessment process.
• Lead responses to periodic audits, reporting requirements, regulatory examinations, and assessments.
• Act as contact person and liaison between department heads and senior management at Gemini as well as our Bank partner.
• Monitor operational processes and procedures to ensure that the company operates in accordance with applicable regulations as well as with the CMS Policy.
• Maintain current knowledge of applicable laws and regulations and understand regulatory impact of changes to product/service offerings.

Qualifications:

• Bachelor degree. Juris Doctor, and /or CFE preferred.
• 6+ years of experience in regulated finance or fintech industry with a focus on credit card regulatory/consumer compliance.
• Thorough understanding of lending/credit financial services and key laws, regulations, guidance, and industry-standard practices such as UDAAP; Regulation B, E, D/DD, Z, V; SCRA; GLBA; BSA/AML; etc. and associated regulations.
• Strong project management, time management, and organizational skills.
• Excellent written and verbal English communication skills with a strong attention to detail.
• Proven ability to proactively, efficiently, and accurately assess risks in a fast-paced environment.
• Track record of creative problem-solving, excellent written and oral communication skills, and creation of strong and trusted cross-functional relationships.
• Interest in building the future of compliance and an owner’s mindset to your work.

It Pays to Work Here The compensation & benefits package for this role includes:

• Competitive starting salary
• A discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401K with company matching
• Paid Parental Leave
• Flexible time off

Salary Range: The base salary range for this role is between $122,000 - $170,000in the State of New York, the State of California and the State of Washington. This range is not inclusive of our discretionary bonus or equity package. When determining a candidate’s compensation, we consider a number of factors including skillset, experience, job scope, and current market data.

In the United States, we have a flexible hybrid work policy for employees who live within 30 miles of our office headquartered in New York City and our offices in Seattle and Miami. Employees within the New York, Seattle, and Miami metropolitan areas are expected to work from the designated office twice a week, unless there is a job-specific requirement to be in the office every workday. Employees outside of these areas are considered part of our remote-first workforce. We believe our hybrid approach for those near our NYC, Seattle, and Miami offices increases productivity through more in-person collaboration where possible.

At Gemini, we strive to build diverse teams that reflect the people we want to empower through our products, and we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. Equal Opportunity is the Law, and Gemini is proud to be an equal opportunity workplace. If you have a specific need that requires accommodation, please let a member of the People Team know.

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