BaaS Compliance Analyst

Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri.  Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.

We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.

Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do. 

Role Description: The Compliance Analyst will be responsible for assisting the Senior Compliance Analysts and Banking as a Service Compliance Manager in the delivery of the Compliance Management System (CMS).  The role will have a primary focus in conducting day-to-day monitoring and review related to the bank’s lending, deposit, and operational activities, as well as with the Bank’s Banking as a Service (BaaS) fintech partner programs. Further duties can be assigned at any time due to expanded activities from the bank, its partners, or regulators.       

In this role you will:

• Work closely with the Banking as a Service Compliance Manager, Senior Compliance Analysts, other business lines, and Fintech partners to onboard and maintain ongoing oversight of Fintech partners. This includes the review of due diligence and ongoing program management materials. 
• Maintain proficient knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to, Reg E, TILA, ECOA, FCRA, SCRA/MLA, Reg CC, TISA, and other federal consumer protection legislation and regulations with a focus on consumer and commercial lending, deposit and prepaid products.
• Engage in internal and external Fintech-facing meetings to identify, discuss and maintain oversight of key program elements, compliance risks and controls. 
• Support the Bank’s Compliance Management System and the BaaS Compliance Program by maintaining awareness and engaging in issue management, audit management, complaint resolution and marketing reviews and other related sub-processes.
• Support the monitoring of compliance-related partner controls and key risk indicators by identifying weaknesses, investigating issues, and providing actionable recommendations for remediation as needed.
• Assist with the review of FinTech partner marketing and program collateral to ensure alignment with regulatory requirements and compliance standards.
• Develop and maintain effective working relationships across the enterprise and Fintech partners to effectively execute on compliance-related objectives.
• Assist in the coordination of, and preparation for, regulatory agency exams, and external audits/reviews
• Demonstrates deep interest in Fintech products and engaging in compliance advisory and working in a dynamic and fast paced environment

Qualifications:

• Minimum of 1-3 years’ banking compliance experience
• Have knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to Reg E, TILA, ECOA, FCRA, SCRA/MLA, Regulation CC, TISA, and other federal consumer protection legislation and regulations
• Demonstrate exceptional communication skills
• Ability to make judgements based on information provided 
• Ability to work and complete tasks with  minimal direct supervision
• Eager to learn and achieve proficiency 
• Ability to motivate and lead 
• Are curious, have humility, are open to learning and approach your work with a growth mindset 
• Thrive working in a fluid environment with high autonomy
• Love to collaborate to get to the best, most efficient outcome
• Embody the growth mindset and bring a self-driven and self-starter mentality to your work

What we offer:

• At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
• Competitive compensation, based on experience, geographic location, and role
• Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
• Paid parental leave
• Flexible vacation policy, including PTO and paid holidays
• A fun and challenging team environment in a dynamic industry with ample opportunities for career growth 

*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

*Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

*Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.

Zone 1: $95,000 - $115,000 (SF/Bay Area, NYC, Seattle)

Zone 2: $92,739 - $103,043 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami)

Zone 3:$65,000 - $77,500 (Other US Metros)

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