Job Title: Consumer Regulatory Compliance Consultant
Location: Remote (US)
Responsibilities:
• Perform consumer and regulatory compliance due diligence on prospective fintech partners across deposit, lending, and card-issuing programs.
• Review product proposals and customer-facing content, including disclosures, marketing materials, websites, and apps, to identify compliance risks in pricing, fees, eligibility, and program structure.
• Evaluate the partner’s key operational controls and flag gaps in design, ownership, or evidence.
• Assess the partner’s compliance program, including risk assessment, monitoring and testing planning, third party oversight, and compliance training.
• Escalate compliance risks promptly to the onboarding team with a clear rationale, and document review results to the client’s standards so decisions can be traced.
• Communicate with internal bank stakeholders and, where directed, external fintech partner contacts, while managing several reviews against expedited timelines.
Required qualifications:
• Strong understanding of US banking products, including deposits, lending, and card issuing.
• Ability to identify and escalate compliance risks tied to product proposals, customer-facing content, and key operational controls.
• Strong understanding of the elements of a compliance program: risk assessment, monitoring and testing planning, third party oversight, and compliance training.
• Expertise in laws and regulations governing consumer and commercial financial products, including TILA/Regulation Z, ECOA/Regulation B, FCRA/Regulation V, SCRA, MLA, EFTA/Regulation E, TISA/Regulation DD, and EFAA/Regulation CC, as well as industry best practices.
• Ability to communicate effectively with internal and external stakeholders.
• Strong organizational skills.
Preferred qualifications:
• Experience in a bank-fintech, sponsor bank, or banking-as-a-service environment, including review of product launches, disclosures, or partner programs.
