At Inclined, we are using modern technology to transform the whole life insurance market. We are singularly focused on the available consumer liquidity in the $1.1 Trillion of cash value in whole life policies today and fixing the legacy problems that have existed in the market for decades. Our platform offers a simple and efficient way to access cash value while maintaining the significant tax advantages inherent in whole life policies. We're a well-funded start-up founded by industry veterans from finance, software and life insurance.
RIsk and Compliance Analyst
This will be Inclined's first dedicated hire to support our Chief Compliance and Enterprise Risk Officer. You'll support and develop our regulatory compliance program as we scale our network of bank partners. You should have 1-3 years of compliance, audit, or regulatory experience, ideally within banking, consumer lending, or within a fintech environment. We're looking for someone detail-oriented, organized, and comfortable engaging directly with bank partners and senior leadership.
The ideal candidate will be able to learn quickly, operate independently across a range of compliance activities, and help formalize processes and documentation as our compliance function matures alongside the company.
This role will report directly to our Chief Compliance and Enterprise Risk Officer, and will work in close, regular partnership with our Chief Capital Officer, Head of Operations, and the broader Inclined team.
Responsibilities● Support the regulatory compliance requirements of Inclined's bank partners, including monitoring and helping maintain compliance with applicable federal and state laws as they apply to our lending programs.
● Perform post-close quality assurance reviews on funded transactions to confirm compliance with bank partner requirements, internal policies, and applicable regulations; identify exceptions and support root-cause and remediation efforts.
● Ongoing reviews of existing and potential vendors Inclined may utilize as part of its vendor management program, including conducting and updating annual assessments.
● Field and respond to incoming compliance questionnaires, due diligence requests, and information requests from bank partners, auditors, and other counterparties.
● Assist with maintaining Inclined's corporate and state licensing portfolio, including tracking renewal deadlines, supporting license renewal applications and license-related audits and examinations.
● Participate in various dialogues and working sessions with bank partners on compliance matters, program updates, and regulatory changes; help prepare materials and talking points as needed.
● Maintain compliance tracking logs, documentation, and reporting to support audit-readiness and internal oversight.
● Targeted internal audit activities as needed.
● Monitor changes in relevant banking and consumer finance regulations and help assess their impact on Inclined's programs.
● Participate in various workstreams related to our SOC compliance requirements.
● Support the Chief Compliance and Enterprise Risk Officer and Chief Capital Officer on ad hoc compliance, risk, and bank partnership projects as they arise.
Qualifications● Bachelor's degree required
● 1–3 years of experience in compliance, audit, or a related field; experience with bank-fintech partnerships, consumer lending, or insurance-adjacent financial products a plus
● Strong organizational skills and high attention to detail; comfortable managing multiple concurrent deadlines (license renewals, audit requests, questionnaires)
● Advanced data skills; comfort working with large amounts of data and building trackers and reports; ability to drive efficiency/automation using AI
● Excellent written and verbal communication skills, with the poise to interact directly with bank partners and senior leadership
● Self-starter who can operate with ambiguity and help build process in a small, fast-moving company
● Sound judgment, discretion, and a collaborative, roll-up-your-sleeves mindset
LocationLarkspur, CA
Compensation: $80K - $100K
Why Join Inclined?● Opportunity to join a high-growth company at an early stage; we’re a top-rated fintech workplace (#3 by American Banker)
● The ability to impact company values and culture within a collaborative environment
● Competitive pay, employer-paid healthcare, stock options
● Highly skilled co-workers with whom you can grow and have fun
● Generous time off
Skills Required
- Bachelor's degree
- 1-3 years of experience in compliance, audit, or a related field
- Experience with bank-fintech partnerships, consumer lending, or insurance-adjacent financial products
- Strong organizational skills and attention to detail
- Ability to manage multiple concurrent deadlines
- Advanced data skills and comfort working with large amounts of data
- Ability to build trackers and reports
- Ability to drive efficiency or automation using AI
- Excellent written and verbal communication skills
- Ability to interact directly with bank partners and senior leadership
- Ability to operate independently and with ambiguity
- Sound judgment, discretion, and collaborative mindset
What We Do
Inclined is building a technology platform focused on driving better long-term outcomes for whole life insurance policy holders. As a Fintech, we're a bit contrarian: we're not crypto, BNPL, or a new neo-bank. Our mission is to help people get more value out of their whole life investment, while transforming an industry ready to benefit from modern technology. Our first product is the Inclined Line Of Credit (iLOC) - the best way to access your cash value. Our competitive rates drive exponentially higher growth in your underlying net cash value and death benefit.
