Manager of Compliance Product, Earnin
$95-130k
Plus equity
Paycheck advance service for employees
Job no longer available
Paycheck advance service for employees
501-1000 employees
Job no longer available
$95-130k
Plus equity
501-1000 employees
Company mission
To build a financial system that works for people.
Role
Who you are
- This role requires a strong understanding of financial crimes regulations, operational execution, and the ability to translate regulatory expectations into actionable controls and sustainable processes
- The ideal candidate brings a customer-first mindset, operates with urgency and accountability, and builds a high-performing, collaborative team environment
- 6+ years of experience in compliance, risk management, or a related field in professional services, 2+ years managing a team
- Fintech (or financial services) certifications (e.g., CRCM, CUCE) are a plus
- Experience reviewing marketing, advertising, or customer-facing communications
- Experience supporting product development or product compliance programs
- Strong understanding of consumer protection regulations (Reg E, Reg Z, Reg B, FCRA, etc.)
- Strong understanding of advertising standards (UDAAP, TILA, ECOA, CAN-SPAM, FTC advertising guidance)
- Excellent communication skills with the ability to explain complex regulatory concepts to non-legal teams
- Strong attention to detail and ability to manage multiple projects
What the job involves
- EarnIn is seeking a highly motivated, experienced Manager, Compliance Product to lead and continually enhance our Product and Marketing Compliance team
- This role is responsible for managing the day-to-day execution of the Product and Marketing Compliance program to ensure our products, marketing campaigns, and customer communications meet all applicable regulatory and legal requirements
- The Manager will lead a team of compliance professionals and serve as the key partner to Product, Marketing, Legal, Risk, and other cross-functional stakeholders
- Partner with product and marketing teams to ensure compliance with consumer protection regulations in the development, launch, and enhancement of deposit, payment, and lending products, providing strategic guidance on regulatory requirements and operational implementation
- Lead the evaluation and interpretation of compliance requirements for new and existing products, ensuring alignment with EarnIn’s compliance framework and regulatory expectations through research, analysis, and documentation
- Monitor and analyze new and evolving regulatory requirements, assessing their impact on products, marketing practices, and internal processes, and driving updates to policies, procedures, and controls to maintain compliance
- Own the development, implementation, and ongoing maintenance of compliance policies, procedures, and controls, conducting periodic reviews and driving enhancements to strengthen the compliance program
- Collaborate with cross-functional teams to design and oversee monitoring and testing activities that assess adherence to compliance policies, identify potential risks, and implement corrective actions where necessary
- Partner with Compliance Managers in compliance risk assessments, ensuring risks are properly documented, and necessary controls are in place
- Drive cross-functional initiatives and projects related to product and marketing compliance, ensuring compliance objectives are integrated into project planning and execution
- Provide clear, practical regulatory guidance to stakeholders by translating complex requirements into actionable recommendations that enable compliant product development and marketing practices
- Manage and develop a team of compliance professionals by setting clear expectations, providing actionable feedback, and supporting growth
- Set and execute near-term strategic plans, monitor workload and performance, and ensure consistent, high-quality delivery
- Foster a collaborative, accountable team culture and serve as a trusted cross-functional partner to promote a strong culture of compliance
- Excellent analytical, organizational, written, and verbal communication skills, with the ability to clearly document complex investigations and regulatory analyses
- High integrity, professionalism, and discretion in handling sensitive information
- Perform other duties as assigned
Our take
Paying bills is an inevitable part of life, but paying them late or dipping into overdrafts can result in fees. This is the reality for millions of workers who have to wait for their paychecks to arrive – and the problem that companies like EarnIn are trying to solve. By allowing hourly workers access to their pay as it is earned rather than on a fixed date, it hopes to provide all Americans with the ability to deal with immediate costs without going into arrears.
Unlike competitors in this growing space, Earnin charges no mandatory fees, instead gaining revenue through a voluntary tipping system. It also requires no credit checks to access its services, which puts it ahead of the growing number of digital banking solutions. This approach has garnered it a strong user base of business customers who offer Earnin as an employee benefit.
Earnin has managed to continue its steady growth even while the wider tech landscape suffered setbacks, which suggests a wise leadership. It also continues to improve its offering and expand its network of businesses, aiming to give every employee in America control of the money they've earned.
Freddie
Company Specialist at Welcome to the Jungle
Insights
42% employee growth in 12 months
Company
Funding (last 2 of 4 rounds)
Dec 2018
$125m
SERIES C
Sep 2017
$39m
SERIES B
Total funding: $190.1m
Company benefits
- 401k
- FSA
- Mental health resources
- Employee Resource Groups
- Stipend for growth opportunities
- Pet friendly office
- Work from home opportunities
- Health insurance
Company HQ
Evergreen Park, Palo Alto, CA
Leadership
Ram Palaniappan
(Founder & CEO)Was Senior Operations Manager at Reflect.com, a P&G company. Served as President of UniRush from 2004 to 2012.
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