Manager, Credit Card Compliance

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

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

The Role: Manager, Credit Card Compliance

In this role, you will serve as a subject matter expert across consumer finance regulation, issue management and remediation, product ideation, and other domains. You will have a leading role in shaping and executing the Compliance Management System (CMS) to deliver products that put customers first in line with the requirements set forth by consumer finance regulations and key credit card partners. You will work with the Head of Compliance in managing a multitude of processes, including  issue management/resolution, complaint management, annual risk assessment, new product approvals, and governance.

The ideal candidate will have deep experience in consumer financial compliance at a credit card company, FinTech or other financial services company. A strong understanding of and experience with consumer regulations such as ECOA, TILA, UDAAP, FRCA, among others is required. The Regulatory Compliance Lead will have a strong aptitude for organization, applying rules and regulations in real-time scenarios as well as collaborating with inter-departmental business unit owners, and fostering a culture of compliance throughout the organization.

This role is required to be in person twice a week at either our San Francisco, CA or New York City, NY office.

Responsibilities:

• Supervise junior member(s) of the compliance team in areas of complaint management, issue management, audit findings resolution, risk assessment, and governance.
• Oversee the issue management process to ensure appropriate mitigation, remediation, root cause analysis, tracking, reporting and resolution. Incumbent will lead and work across all functional areas to ensure successful resolution and handling of issues. 
• Drive the development and execution of remediation and testing plans to address issues/findings, which may include process updates, documentation and/or training.
• Lead the design and implementation of the risk assessment framework to provide independent, risk-based evaluation of regulatory compliance. 
• Take a leading role in identifying, mapping out, enhancing, documenting, and rating controls and risks as part of our Risk Assessment process.
• Provide timely and accurate advice and guidance to the Gemini Credit Card’s teams on issues arising from compliance policy areas and subject matter within the responsibility of the Compliance Department.
• Partner with the broader Counsel team to address emerging trends, regulations and business objectives; share information about developments in the product and Compliance program to organize efficient and transparent support across the departments.
• Lead responses to periodic audits, reporting requirements, regulatory examinations, and assessments.
• Act as contact person and liaison between department heads and senior management at Gemini as well as our Bank partner.
• Monitor operational processes and procedures to ensure that the company operates in accordance with applicable regulations as well as with the CMS Policy.
• Maintain current knowledge of applicable laws and regulations and understand regulatory impact of changes to product/service offerings.

Qualifications:

• Bachelor degree. Juris Doctor, and /or CFE preferred.
• 6+ years of experience in regulated finance or fintech industry with a focus on credit card regulatory/consumer compliance. 
• Thorough understanding of lending/credit financial services and key laws, regulations, guidance, and industry-standard practices such as UDAAP; Regulation B, E, D/DD, Z, V; SCRA; GLBA; BSA/AML; etc. and associated regulations.
• Strong project management, time management, and organizational skills.
• Excellent written and verbal English communication skills with a strong attention to detail.
• Proven ability to proactively, efficiently, and accurately assess risks in a fast-paced environment.
• Track record of creative problem-solving, excellent written and oral communication skills, and creation of strong and trusted cross-functional relationships.
• Interest in building the future of compliance and an owner’s mindset to your work.

• Competitive starting salary
• 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, the State of California and the State of Washington. 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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