Senior Compliance Analyst

Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri.  Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate. 

We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.

Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do. 

Role Description: The Senior Compliance Analyst will be responsible for assisting 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.      

• Work closely with the Director of Compliance, Compliance Lead, other business lines, and Fintech partners to ensure consideration and accurate implementation of controls and processes necessary to meet regulatory compliance requirements 
• Maintain proficient knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to, Reg E, UDAAP, TILA, ECOA, FCRA, SCRA/MLA, Reg CC, TISA, and other federal consumer protection legislation and regulations
• Conduct interviews and meetings with responsible Fintech Partner key stakeholders to gain an overall understanding of their Compliance Management System 
• Review business unit and Fintech partner policies and procedures for adherence to laws and regulations and recommended changes based on risks identified or changes in laws and regulations
• Responsible for monitoring of compliance related partner controls and key risk indicators by identifying weaknesses, investigating issues, and providing actionable recommendations for remediation as needed
• Perform transaction, account, and loan level testing as needed to verify adherence to applicable FinTech partner control requirements
• Develop in collaboration with the business unit/Fintech partner, action plans and corrective action associated with monitoring/review findings, as necessary 
• Develop effective working relationships with department employees, other business units, and key stakeholders of the Bank’s Fintech partners
• Work with Compliance DRI to review Fintech partner policies and procedures for adherence to laws and regulations and recommend changes based on risks identified or changes in laws and regulations
• Contribute to the completion of annual compliance risk assessments for the bank and BaaS partners, as needed 
• Assist in the coordination of, and preparation for, regulatory agency exams, and external audits/reviews
• Participate in bank initiatives and projects to ensure compliance with federal, state, and local laws and regulations
• Assist other Compliance staff as necessary 
• Demonstrate the values of Lead Bank and set a personal example for team members to follow
• Perform all other duties as assigned

• Minimum of 3-5 years of banking compliance experience
• Have knowledge of applicable federal and state laws, regulations, and guidance, including, but not limited to Reg E, UDAAP, TILA, ECOA, FCRA, SCRA/MLA, Regulation CC, TISA, and other federal consumer protection legislation and regulations
• Demonstrate exceptional communication skills
• Ability to make judgments 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, positive, have humility, are open to learning
• 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

• At Lead, we design our benefits to support company culture and principles, 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 qualified applicants with arrest and conviction records.

*Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

*Our compensation reflects the cost of labor across several US geographic markets. The base pay for this position ranges from $90,000/year to $125,000/year. Pay is based on a number of factors including market location and may vary depending on job-related knowledge, skills, and experience.

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