Fintech Compliance Analyst

About this role

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:

The Fintech Compliance Analyst will be responsible for assisting Senior and Principal Compliance Analysts and the Compliance Lead 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 and Principal 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.

- Review 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

- Demonstrate a deep interest in Fintech products, automation and technology, and engage in compliance advisory

- Exhibit personal drive, innovation and excel in a dynamic, fast-paced environment

- Perform other duties as assigned

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 https://docs.google.com/document/d/1BpDk5yNqa19IZCp8JbxKUd3ndBLVx44Jcg2DNi2KTeQ/edit, 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

Similar jobs

• Fintech Research Analyst — Artemisanalytics · New York Office
• Fintech Operations Lead — Jobber · Remote
• Senior Analyst, Fintech Research — Cbinsights · New York, NY
• Senior Compliance and Risk Analyst — Calendly · Remote
• Sales Associate - Fintech — Bitgo · New York, United States
• Financial Services Compliance Lead — Gusto · Denver, CO;San Francisco, CA;New York, NY
• Regulatory Compliance Analyst — Ripple · New York, NY, United States
• Compliance & Risk Analyst — Pebl · Remote