Head of Consumer and Lending Compliance

• Oversee the consumer compliance program in accordance with applicable laws and regulations (e.g., UDAAP, ECOA, FCRA, TILA, etc.)
• Serve as the primary advisor to the credit card business and other horizon banking and lending products, providing guidance on new product development, product changes, and marketing initiatives
• Manage a team of compliance professionals responsible for monitoring and testing, complaint management, third party oversight, issue management, compliance reporting, and customer-facing communications, among other areas
• Provide regular reporting to the Board of Managers and other governance committees
• Serve as the primary liaison between Gemini and its sponsor bank partner
• Respond to internal and external audits, examinations, and regulatory inquiries related to credit card operations
• Oversee risk assessments for consumer banking products, identifying potential areas of risk and working cross-functionally to manage such risks
• Serve as the Fair Lending Officer overseeing the company’s fair lending program
• Ensure proper oversight of vendors and other third parties that present potential compliance or regulatory risk
• Oversee remediation plans for high priority issues to ensure timely remediation and remedy of any compliance-related issues
• Remain up-to-date on regulatory changes and landscapes, best practices and developments in the industry and ensure our implementation is both compliant and forward thinking
• Provide timely and accurate advice and guidance to the Gemini’s staff on issues arising from compliance policy areas and subject matter within the responsibility of the Compliance Department

• Bachelor's degree. CRCM or Juris Doctor preferred
• 10+ years of compliance experience in credit, banking, fintech, or other financial regulatory compliance industry and at least 4+ years of experience overseeing a consumer compliance program is a must
• Experience supporting a fast-scaling business
• Possess deep knowledge and real world application of all lending and banking laws and regulations including UDAAP, TILA, TISA, ECOA, FCRA, EFTA, MLA, SCRA, GLBA, and CAN-SPAM
• Proven track record of providing oversight and strategic vision for the entirety of a Compliance Management System (CMS)

• Competitive starting pay
• 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 $150,500 - $215,000 in the State of New York. 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.