Senior Manager, Consumer Compliance — Deposit Products

TabaPay; Palo Alto (CA); On-site; USD 135,000 - 165,000; Full time

Benefits offered by this job

Health insurance

401K matching

PTO

Job summary

TabaPay is seeking a Senior Manager, Consumer Compliance to serve as the primary expert on federal and state consumer protection requirements and to lead the Second Line oversight of the consumer compliance program across the enterprise. This role focuses on TabaBank’s consumer deposit products and ensures readiness before the first consumer deposit transaction.

You will guide policy, controls, disclosures, training, and remediation efforts while partnering with Product, Operations, and

Qualifications

• 7+ years of consumer compliance experience in banking, fintech, payments, or regulated financial services.
• Strong experience with consumer deposit compliance and bank CMS.
• Deep working knowledge of Regulation E, Regulation CC, Regulation DD, UDAAP, Regulation P/GLBA, consumer privacy, complaint management, marketing/advertising, and deposit servicing requirements.
• Experience with compliance risk assessments, monitoring and testing, regulatory change management, and issue remediation.
• Experience advising Product, Operations, Marketing, and Technology teams on regulatory requirements.
• Experience supporting bank regulatory examinations, audits, or independent compliance reviews.
• Strong regulatory judgment with the ability to translate complex requirements into clear, practical guidance.
• Strong written, analytical, communication, and stakeholder-management skills.

Responsibilities

• Serve as the primary subject matter expert for federal and state consumer protection requirements.
• Maintain and continuously enhance the Consumer Compliance Program within the enterprise CMS.
• Provide independent Second Line oversight and credible challenge of First Line consumer compliance activities.
• Lead consumer compliance risk assessments and maintain regulatory applicability and requirements mapping.
• Monitor regulatory developments and translate changes into actionable requirements for policies, procedures, controls, disclosures, training, and business processes.
• Identify, elevate, and support remediation of material consumer compliance risks and issues.
• Provide Second Line oversight of TabaBank’s consumer deposit products, with particular expertise in Regulation E, Regulation CC, Regulation DD, UDAAP, Regulation P/GLBA, deposit disclosures, fees, and servicing.
• Marketing and advertising, Error resolution and disputes, Complaint management, Dormancy and escheatment, Applicable state consumer protection requirements.
• Product & Business Advisory: Partner with Product, Operations, Marketing, Technology, Legal, Risk, and other stakeholders to incorporate consumer compliance requirements into products and processes.
• Review new products, material changes, fees, disclosures, marketing, customer communications, and servicing practices prior to implementation.
• Assess UDAAP and potential consumer-harm risks throughout the product lifecycle.
• Provide practical regulatory guidance that enables the business to meet compliance requirements while delivering a strong customer experience.
• Monitoring, Testing & Consumer Protection: Develop and execute risk-based Second Line monitoring and testing across consumer products and regulatory requirements.
• Provide compliance oversight of consumer complaints and analyze trends for systemic issues, UDAAP concerns, or potential consumer harm.
• Oversee consumer compliance aspects of third-party and affiliate activities.
• Document findings, identify root causes, elevate material issues, and provide independent challenge of remediation.
• Assess whether corrective action or consumer restitution is appropriate when compliance issues are identified.
• Governance & Regulatory Readiness: Develop and maintain consumer compliance policies, standards, guidance, and training.
• Support regulatory examinations, audits, and independent compliance reviews.
• Maintain clear, examination-ready evidence demonstrating the effectiveness of the Consumer Compliance Program.
• Develop consumer compliance metrics and reporting and support the CCO in reporting material risks, monitoring results, complaint trends, regulatory developments, and remediation status to senior management and Board-level governance.

Skills

Regulatory knowledge

Stakeholder management

Analytical thinking

Written communication

Regulatory change management

Education

Bachelor’s degree or equivalent

Job description

TabaPay is seeking a Senior Manager, Consumer Compliance to serve as the primary expert on federal and state consumer protection requirements and to lead the Second Line oversight of the consumer compliance program across the enterprise. This role focuses on TabaBank’s consumer deposit products and ensures readiness before the first consumer deposit transaction.

You will guide policy, controls, disclosures, training, and remediation efforts while partnering with Product, Operations, and