ABOUT EARNIN
As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.
We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.
Position Summary:
We are seeking an experienced Enterprise Risk Management (ERM) Professional to join our company. In this role, you will assist with mitigating current and emerging risks by collaborating with business partners to develop and implement controls that align with the company’s strategic risk management objectives and regulatory requirements.
The US base salary range for this full-time position is $80,000 - $90,000 + equity + benefits. Our salary ranges are determined by role, level, and location.
This is a remote position.
What You'll Do:
- Collaborate with business partners to develop and implement internal controls.
- Conduct anti-money laundering transaction monitoring and case investigations.
- Evaluate politically exposed persons and sanctions alerts.
- Enhance existing compliance and risk management programs.
- Evaluate regulations for applicability to our products and services and help develop creative and compliant processes and controls.
- Execute projects accurately within timeframes allotted while working collaboratively across multiple lines of business.
- Monitor adherence to policies and procedures and test the effectiveness of processes and controls to identify potential areas of weakness.
- Assist with the implementation of corrective actions.
- Be a team player and assist with cross functional compliance and ERM assignments.
What We're Looking For:
- 2+ years financial crimes experience in a financial services capacity.
- 2+ years risk management experience in a financial services capacity.
- Prior professional services, fintech, or financial services experience.
- ACAMS designation.
- CRCM, CERM, or CERP designation preferred, but not required.
- Strong understanding of regulatory requirements and industry best practices across many financial laws and regulations with a focus in the areas of financial crimes, third party risk management, and model risk management.
- Exceptional communication skills, with the ability to convey risk and compliance concepts in an easily understandable manner.
- Desire to be a team-player that collaborates with multiple business partners across multiple lines of business
At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant.
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What We Do
Earnin’s mission is to build a financial system that works for people. Every year, while Americans wait for their paychecks, more than $1 trillion of their hard-earned money is held up in the pay cycle. As a result, we accumulate over $50 billion in late and overdraft fees and turn to high-interest loans. We seek to eliminate those fees and put money back into workers’ hands.
Our financial system doesn’t work for people. But Earnin does. Earnin is an app that lets people get paid as soon as they leave work, with no fees, interest, or hidden costs. App users can receive their money in their bank account instantly at little or no cost — as we operate on a pay what you choose model. All they need is a bank account and a job that provides direct deposit or uses electronic timesheets.
At Earnin, we’re building the way we think a financial system should work for everyone, not just the people who can afford it. We help people take control of their money and get to a better financial place.
Our goal is not only to provide great products at little or no cost to the people who need them but also to inspire kindness across the financial world and eventually across all industries.
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