Compliance Analyst, Pomelo

• Expertise in Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), and Bank Secrecy Act/Anti‑Money Laundering (BSA/AML) is essential
• Experience in FinTech environments and familiarity with state Money Transmitter Licensing (MTL) requirements are highly valued
• Bachelor’s degree in Business, Finance, Law, or related field
• 3+ years of hands‑on compliance or risk experience within a FinTech, credit‑card issuer, money‑services business (MSB), or financial institution
• Deep working knowledge of:
• Truth in Lending Act / Regulation Z
• Equal Credit Opportunity Act / Regulation B
• UDAAP standards (CFPB, FTC)
• Bank Secrecy Act, USA PATRIOT Act, FinCEN rules, and related AML/OFAC requirements
• Demonstrated expertise building or operating components of a compliance management system (policy, training, monitoring, complaint handling, issue management)
• Strong analytical, investigative, and problem‑solving skills with exceptional attention to detail
• Excellent written and verbal communication abilities; capable of translating regulatory language into practical guidance for non‑experts

Desirable

• The Regulatory Compliance Analyst is responsible for ensuring Pomelo’s lines of business comply with all applicable federal and state laws, regulations, and industry best practices
• The Analyst will work cross‑functionally with Product, Operations, Marketing, and Engineering to build and maintain a best‑in‑class compliance management system (CMS)
• Regulatory Strategy & Advisory
• Interpret and apply TILA, Reg. Z, ECOA/Reg. B, UDAAP, BSA/AML, OFAC, FinCEN guidance, and state MTL rules to new and existing products
• Advise Product and Engineering on compliant product designs, disclosures, marketing materials, and fee structures
• Monitor legislative and regulatory changes; perform impact analyses and update policies, procedures, and controls accordingly
• Compliance Monitoring & Testing
• Design and execute risk‑based compliance testing plans across the customer journey (application, underwriting, servicing, collections, and remittance flows)
• Document findings, root‑cause analyses, and remediation plans; track corrective actions to completion
• Policies, Procedures & Training
• Draft and maintain compliance policies, standard operating procedures (SOPs), and control matrices
• Develop and deliver compliance training to business partners, including new‑hire onboarding and targeted refreshers
• Reporting & Governance
• Prepare periodic compliance dashboards for senior management and Board‑level committees, highlighting key metrics, issues, and emerging risks
• Support regulatory exams, audits, and independent reviews; coordinate document production and management responses
• AML Program Support
• Assist the BSA Officer with transaction monitoring rule tuning, suspicious activity investigations, SAR filings, and customer risk rating methodologies
• Conduct enhanced due diligence (EDD) on higher‑risk customers and remittance corridors
• Licensing & Regulatory Filings
• Maintain inventory of state money‑transmitter and lending licenses; assist with renewals, quarterly/annual reports, MSB call reports, and NMLS filings