Manager, Compliance (Banking & Lending)

Sierra Ventures; Miami (FL); Hybrid; USD 129,500 - 185,000; Full time

Benefits offered by this job

Competitive starting pay

Discretionary annual bonus

New hire equity grant

Comprehensive health plans

401K with company matching

Paid Parental Leave

Flexible time off

Job summary

Gemini is seeking a Manager, Compliance (Banking & Lending) to lead consumer financial compliance initiatives across their card products and partner banks. You will manage issue remediation, testing, and governance within the CMS, while advising product and operations teams on applicable laws and guidance.

The ideal candidate has deep experience in consumer financial compliance within fintech or financial services, with strong knowledge of ECOA, TILA, UDAAP, FCRA and related regulations.

Qualifications

• Bachelors degree required.
• 6+ years in regulated financial services compliance.
• Experience with consumer financial protection laws and guidance.
• Ability to manage multiple processes and partner-bank relationships.

Responsibilities

• Supervise and develop junior compliance team members for product compliance, testing, and CMS activities.
• Act as primary compliance contact among Gemini departments and partner banks.
• Drive remediation, testing plans, and root-cause analysis for issues and audits.
• Review marketing materials and customer disclosures for regulatory compliance.
• Lead design and implementation of risk assessment frameworks for compliance.
• Provide timely guidance on laws, policies, and controls to product and operations teams.
• Collaborate with Legal, Compliance, Product on emerging regulations and business objectives.
• Coordinate responses to customer and regulatory complaints and examinations.
• Support audits, partner-bank reviews, and regulatory reporting.
• Monitor processes for compliance with laws and CMS policies.

Skills

Regulatory compliance

Lending/credit products

UDAAP/TILA/Reg Z experience

ECOA/ECOA Reg B

Project management

Cross-functional collaboration

Strong written/verbal communication

Organizational skills

Ownership mindset

Problem solving

Education

Bachelor’s degree

Job description

About the Company

Gemini is a global crypto and Web3 platform founded by Cameron and Tyler Winklevoss in 2014, offering a wide range of simple, reliable, and secure crypto products and services to individuals and institutions in over 70 countries. Our mission is to unlock the next era of financial, creative, and personal freedom by providing trusted access to the decentralized future. We envision a world where crypto reshapes the global financial system, internet, and money to create greater choice, independence, and opportunity for all — bridging traditional finance with the emerging cryptoeconomy in a way that is more open, fair, and secure. As a publicly traded company, Gemini is poised to accelerate this vision with greater scale, reach, and impact.

The Department: Compliance

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

The Role: Manager, Compliance (Banking & Lending)

In this role, you will serve as a subject matter expert across consumer financial protection laws and regulations, issue management and remediation, regulatory testing, and complaint management. You will play a leading role in operating and enhancing Gemini’s Compliance Management System (CMS) to support products that put customers first while meeting applicable regulatory requirements and partner-bank expectations. You will work with the Head of Compliance in managing a multitude of processes, including issue management & resolution, testing, complaint management, product compliance, and governance. You’ll advise business partners and oversee compliance for the Gemini Credit Card, Gemini Business Credit Card, and future products in banking and lending.

The ideal candidate has deep experience in consumer financial compliance at a credit card company, FinTech or financial services company. A strong understanding of consumer financial protection laws and their implementing regulations laws such as ECOA, TILA, UDAAP, FCRA, along with their accompanying regulations, is required. The Compliance Manager has a strong aptitude for organization, applying laws, regulations, and guidance to real-world product and operational scenarios as well as collaborating with cross-functional business owners, and fostering a culture of compliance throughout the organization.

Responsibilities

• Supervise, coach, and develop junior compliance team members supporting product compliance, complaint management, testing, governance, and related CMS activities.
• Act as a primary compliance contact and liaison among Gemini department heads, senior management, and partner-bank stakeholders.
• Drive the development, execution, and validation of remediation and testing plans for compliance issues, audit findings, examination findings, and control gaps, including root-cause analysis, corrective action plans, process updates, documentation, and training.
• Review and advise on marketing materials, customer communications, disclosures, promotions, and related campaigns to assess compliance with applicable laws, regulations, partner-bank requirements, and internal policies.
• Lead the design and implementation of compliance risk assessment frameworks that provide independent, risk-based evaluations of regulatory compliance risks and control effectiveness.
• Provide timely, practical, and risk-based compliance guidance to product, operations, and business teams on applicable laws, regulations, policies, and controls.
• Partner with Legal, Compliance, product, and business stakeholders to assess emerging regulations, product developments, and business objectives, ensuring coordinated and transparent support across departments.
• Draft and coordinate responses to customer and regulatory complaints, including complaints received through the CFPB, FDIC, partner banks, or other applicable channels.
• Lead or support responses to audits, partner-bank reviews, regulatory examinations, reporting requirements, and compliance assessments.
• Monitor operational processes and procedures to assess compliance with applicable laws, regulations, partner-bank requirements, and Gemini’s CMS policies.
• Maintain current knowledge of applicable laws, regulations, and regulatory guidance, and assess the compliance impact of changes to product and service offerings.

Minimum Qualifications

• Bachelor’s degree.
• 6+ years of experience in regulated financial services, fintech, banking, lending, or credit card compliance, with a focus on consumer financial services compliance.
• Thorough understanding of lending and credit products, compliance management systems, and applicable laws, regulations, and guidance, including UDAAP, TILA/Reg Z, ECOA/Reg B, FCRA/Reg V, EFTA/Reg E, SCRA, GLBA, and, where applicable, TISA/Reg DD and BSA/AML.
• Strong project management, time management, and organizational skills.
• Excellent written and verbal communication skills, with strong attention to details.
• Proven ability to proactively, efficiently, and accurately assess compliance risks in a fast-paced environment.
• Track record of creative problem-solving and building trusted cross-functional relationships with Legal, Product, Operations, Risk, and business stakeholders.
• Ownership mindset, sound judgment, and enthusiasm for building scalable, technology-enabled compliance processes.

Preferred Qualifications

• Experience supporting credit card, banking-as-a-service, partner-bank, embedded finance, or fintech lending programs.
• Experience with regulatory examinations, partner-bank audits, CFPB complaint responses, compliance testing, issue remediation, and issue validation.
• Familiarity with fair lending, marketing compliance, servicing, collections, disputes, adverse action, credit reporting, vendor oversight, and complaint management.
• CRCM, CAMS, or similar compliance certification preferred but not required.

It Pays to Work Here

The compensation & benefits package for this role includes:

• Competitive starting pay
• 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 $129,500 - $185,000 in the State of New York. 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 offer a hybrid work approach at our hub offices, balancing the benefits of in-person collaboration with the flexibility of remote work. Expectations may vary by location and role, so candidates are encouraged to connect with their recruiter to learn more about the specific policy for the role. Employees who do not live near one of our hubs are part of our remote workforce.

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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