Director Of Compliance

Earnin Palo Alto , CA 94306

Posted 3 weeks ago

About Earnin:

Every year, while Americans wait for their paychecks, more than $1 trillion of their hard-earned money is held up in the pay cycle. As a result, we accumulate over $50 billion in late and overdraft fees and turn to high-interest loans. Overdraft charges and bank fees often trap people in a cycle of debt that can lead to unhealthy decisions and falling victim to predatory businesses disguised as helpful services. We don't accept that.

Earnin is an app that creates products that help people gain control of their finances. Cash Out lets people get paid as soon as they leave work, with no fees, interest, or hidden costs. With Health Aid, Earnin negotiates on behalf of community members to lower their total unpaid medical bill and work out a budget-friendly payment plan. Cash Back Rewards is a way for members to earn up to 10% cash back on purchases from over a thousand local and national businesses without needing a credit card or having to reach spend thresholds to earn cash rewards and they can withdraw the money at any time. We also offer free tools to help avoid overdrafts, to remind people when recurring bills are due, and we're working on more! There is never any required cost to use any of these products or services, users can choose to tip what they think is fair to support the service and pay it forward to keep the movement going.

Earnin is supported by funding partners including Andreessen Horowitz, Matrix Partners, Ribbit Capital, Felicis Venture, Thrive Capital, and others. Join us and help build a new financial system focused on fairness and people's needs.

You can help make a difference.

We're seeking a Director of Compliance to own develop and implement all aspects of regulatory compliance including program management, risk assessment, control assessment and design, complaint management, vendor management, licensing, training and policies and procedures. provides company-wide leadership, standards, support, and independent oversight to ensure that business units abide by applicable laws, rules, and regulations. This will be the first hire in the Company's compliance organization and the individual will provide appropriate analysis, reporting, and escalation to Executive management and the Board, set minimum standards for the Company, and provide guidance for compliance and operational risk management activities across the company.

The ideal candidate will be able to think creatively about leveraging technology to improve business processes and related compliance programs. Based in Palo Alto, the role will report into the General Counsel & Chief Compliance Officer, and will interface extensively with other Executives and mid-level management.

What You'll Do

  • Develop, manage and update compliance program implementation that may include: TILA, FCRA, Fair Lending, FDCPA, AML/BSA OFAC sanctions, HIPAA, privacy and security, UDAAP, etc.

  • Monitor and test effectiveness of policies, procedures, and internal controls which are designed to assess company's compliance with applicable regulatory requirements

  • Develop compliance risk assessments to address regulatory risks for associated compliance programs

  • Monitor the implementation of corrective actions and escalate when appropriate

  • Oversee on-site exams (e.g. banking and third party due diligence reviews) and all internal and external audits and certification programs

  • Collaborate with lines of business to enhance compliance and risk engine to meet changing legal and regulatory requirements and satisfy business needs

  • Serve as subject matter expert to lines of business to determine compliance requirements in products and address existing and emerging compliance risks

  • Promote a culture of compliance across the organization

  • Advise and guide lines of business and staff in complying with applicable regulatory requirements and internal policies and procedures

  • Alert leadership and the GC/CCO about emerging regulatory developments and potential impact through regular reporting to senior management, with risk-based focus

What We Look For

  • Minimum of 7 years of experience in Compliance, Risk, or internal audit

  • Demonstrated knowledge and application of consumer protection laws and regulations

  • Demonstrated knowledge of regulatory risks, processes and controls

  • Strong knowledge of control frameworks and the ability to design and evaluate the effectiveness of controls embedded within business processes

  • Strong project management, critical thinking and analytical skills

  • Excellent verbal and written communication skills with the ability to present complex and sensitive issues to senior management in a clear and persuasive manner

  • Additional experience in operations a plus

  • CRCM, CAMS a plus, but not required

If you got to this point, we hope you're feeling excited about the job description you just read. Even if you don't feel that you meet every single requirement, we still encourage you to apply. We're eager to meet people that believe in Earnin's mission and can contribute to our team in a variety of ways not just candidates who check all the boxes.

The Company does not unlawfully discriminate on the basis of race, color, religion, sex (including pregnancy, childbirth, breastfeeding or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. Earnin is an E-Verify participant.

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Director Of Compliance