Position: Fintech Compliance Lead
Department: Compliance
Reports To: Chief Compliance Officer
Employment Status: Full-Time, Exempt
Office Location: 22 Vanderbilt, New York, NY
The Role:The Fintech Compliance Lead is a highly visible, high-impact role responsible for helping shape and scale Emigrant's compliance program within a rapidly evolving regulatory and fintech environment. Reporting to the Chief Compliance Officer and working closely with senior leadership, this individual will act as a key operator and thought partner, balancing strategic oversight with hands-on execution across the Bank and its Embedded Banking partnerships. This position offers a strong compliance professional the opportunity to step into an impactful role within a growing program, gain meaningful exposure to regulators, examinations, and executive leadership, and build and refine compliance infrastructure within a modern, fintech-forward bank.
Primary Responsibilities:- Support the design, evolution, and ongoing enhancement of the Bank's consumer compliance framework, including policies, controls, and governance structures.
- Lead compliance coverage for fintech partnerships, including driving the execution of risk-based monitoring, testing, and oversight across the organization.
- Partner with senior stakeholders to ensure compliance is proactively embedded in business strategy and product development.
- Evaluate emerging risks associated with embedded finance and third-party relationships.
- Act as a critical control point in ensuring alignment with regulatory expectations across partner programs.
- Play a central role in regulatory examinations, audits, and inquiries.
- Coordinate the preparation of materials, responses, and remediation plans.
- Support the management of findings, MRAs, and issue resolution with a focus on quality and timeliness.
- Serve as a trusted compliance advisor to business leaders, providing practical, solutions-oriented guidance.
- Review and advise on customer-facing materials, product structures, and new initiatives.
- Help shape a culture of accountability, transparency, and sound risk management.
- Contribute to annual risk assessments and monitoring plans across lending, deposits, and fintech activities.
- Support the evolution of complaints management, training, and compliance reporting.
- Lead or support strategic initiatives, including systems, tooling, and process improvements.
- Participate in any ad-hoc projects as necessary.
Qualifications- Minimum 7 years' progressive compliance experience within a regulated financial institution or Fintech.
- Extensive knowledge of banking-as-a-service and Fintech/sponsor bank relationships.
- Extensive knowledge about applicable laws and regulations, including but not limited to the consumer compliance regulations, such as UDAAP, CAN-SPAM, FCRA, TCPA, TILA (Reg. Z), ECOA (Reg. B), EFTA (Reg. E), TISA (Reg. DD), Privacy, etc.
- Strong analytical and research skills with attention to detail.
New York pay range
$175,000-$225,000 USD
