About Lead Bank
Lead is a banking infrastructure platform trusted by the most innovative companies to power complex financial products. We enable fintechs to offer compliant, programmable services like payments, lending, and digital assets at scale. Banking has moved beyond traditional institutions and is now embedded directly into everyday experiences, meaning companies need modern infrastructure that is safe, secure, and operationally sound.
Today, Lead is one of the only API-first, developer-focused partner banks with the financial, regulatory, and legal expertise required to help fintechs succeed. We operate offices in San Francisco, Sunnyvale, and New York City, and an FDIC-insured bank in Kansas City.
Compliance Team at Lead
The Compliance team helps Lead and its partners innovate responsibly, from onboarding and due diligence through full lifecycle oversight and remediation. They work closely with the Legal, Risk, and Audit teams to ensure partner programs operate in alignment with regulatory requirements and meet Lead’s standards for governance and accountability. At Lead, Compliance isn't a team that says "no." It's a team that figures out how to safely say "yes.” Rather than simply identifying roadblocks, this collaborative, solutions-oriented team focuses on finding practical paths forward. They value self-starters with sound judgment and the ability to work in a fast-paced environment.
Role Description:
Lead is seeking a dynamic, self-motivated compliance professional to join our Compliance Team. Lead views regulatory compliance as a key driver of innovation and this position presents a unique opportunity to play a foundational role in continuing to build and implement our forward thinking compliance strategy.
The Deposits Compliance Analyst will be responsible for assisting the Deposits Compliance team in the delivery of the Compliance Management System (CMS). The role will have a primary focus in conducting day-to-day due diligence, monitoring and review related to the Bank’s 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 Deposits Compliance team, other business lines, and Fintech partners to ensure consideration and accurate implementation of controls and processes necessary to meet regulatory compliance requirements.
Maintain proficient knowledge of the elements related to the Bank’s Compliance Management System to enhance Lead’s CMS and those of the fintech partners included but not limited to policies and procedures, escalation and reporting, complaint handling and trend analysis, exam and audit management.
Review business unit and Fintech partner policies, procedures, and marketing materials for adherence to laws and regulations and recommend changes based on risks identified or changes in laws and regulations.
Monitor compliance related Partner controls and key risk indicators to identify weaknesses, research issues, and make recommendations for remediation where required.
Assist the business unit/Fintech partner in the development of action plans and corrective action associated with monitoring/review findings, as necessary.
Develop effective working relationships with department employees, other business units, and Fintech partners.
Supportive resource to the business units for questions related to consumer protection laws and regulations in relation to payments including but not limited to debit/prepaid card, checks, ACH, wires and instant payments.
Demonstrate the values of Lead Bank and set a personal example for team members to follow.
Perform other duties as assigned.
Qualifications:
Minimum of 1-3 years’ banking experience
Have knowledge and experience with the elements of Compliance Management Systems (CMS), included but not limited to policies and procedures, escalation and reporting, complaint handling and trend analysis, exam and audit management.
Have an understanding of applicable federal and state laws, regulations and guidance, including, but not limited to UDAAP, FTC Guidelines, Reg E, Reg CC, Nacha Rules, Visa/Mastercard Rules, and other federal consumer protection legislation and regulations
Demonstrate exceptional communication skills, both writing and verbal
Ability to make judgements with exceptional speed, based on information provided
Ability to work and complete tasks independently, with minimal direct supervision
Eager to learn and achieve proficiency
Curious, have humility, 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.
**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: $102,638 - $120,750 (SF/Bay Area, NYC, Seattle)
Zone 2: $91,966 - $108,195 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami)
Zone 3: $69,169 - $81,375 (Other US Metros)
Skills Required
- 1-3 years of banking experience
- Knowledge and experience with Compliance Management Systems, including policies and procedures, escalation and reporting, complaint handling and trend analysis, and exam and audit management
- Understanding of applicable federal and state laws, regulations, and guidance, including UDAAP, FTC Guidelines, Regulation E, Regulation CC, Nacha Rules, Visa/Mastercard Rules, and other federal consumer protection requirements
- Exceptional written and verbal communication skills
- Ability to make judgments quickly based on available information
- Ability to work independently with minimal direct supervision
- Eagerness to learn and achieve proficiency
- Curiosity, humility, openness to learning, and a growth mindset
- Ability to thrive in a fluid, high-autonomy environment
- Ability to collaborate effectively to achieve efficient outcomes
- Self-driven and self-starter mentality
What We Do
Lead Bank is where expertise, experience and technology unite the people behind inspired businesses. We take pride in working side by side with companies to grow bottom lines that become cornerstones of the community. We’ve always been a bank that leads the way, not follows the herd. In 2010, we rolled out our new name along with a new suite of next generation banking resources. From the robust online banking capabilities to our remote deposit technology, these digital solutions let you bank however you want, wherever you want. While our bank has roots in Cass county, we offer full-service banking and outstanding customer service for the entire Kansas City metropolitan area. Our relationships with our clients remain at the heart of what we do. We get to know you and your business so we can tailor financial solutions to help you achieve your goals.
