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.


icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon
lc_ad

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Environmental Compliance Specialist (Associate Engineer)

City Of Palo Alto, CA

Posted 3 days ago

VIEW JOBS 8/21/2019 12:00:00 AM 2019-11-19T00:00 Description Palo Alto Public Works Water Quality Control Plant The City of Palo Alto's Public Works Department is happy to announce the recruitment of an Environmental Compliance Specialist (Associate Engineer) position in their Watershed Protection Group. The Watershed Protection Group's primary function is to protect, restore, and improve Palo Alto's watershed, which includes local creeks and the San Francisco Bay. The program actively works with industry, businesses and residents to reduce pollutants entering surface waters, the sanitary sewer, and storm drain systems by issuing permits and or conducting inspections of industrial and commercial facilities, advocating for environmental regulations that will improve water quality and by providing cutting-edge public programs and education. The Watershed Protection Group also helps track and understand regulations that may impact the wastewater treatment plant. Note that the applicant does not have to be a licensed engineer or a registered engineer in training. Applicants with environmental science or similar degrees are welcome to apply. The Position As an Environmental Compliance Specialist (Associate Engineer) you will implement all facets of the City's industrial pretreatment and stormwater programs, develop new program components, perform research and investigations and work on special projects. Ideal Candidate: * Self-starter who is analytical, detailed, and thorough in their work and interested in researching, investigating and solving complex problems * Has the ability to understand, implement, and educate others on environmental regulations * Has the ability to compile and summarize data, inspection findings, and research in various formats including reports, presentations, and memos This position is part of the Service Employees' International Union (SEIU). This position may be underfilled as an Assistant Engineer (SEIU). Essential Duties Essential and other important responsibilities and duties may include, but are not limited to, the following: * Perform various studies, research projects, special investigations, and analysis to understand and solve issues or problems and to determine whether the City is complying with existing and or upcoming/new environmental standards, regulations, and requirements * Inspect industrial, commercial, and institutional facilities for compliance with federal, state and local regulations, review compliance with permit conditions, ensure proper recordkeeping and data management, and take enforcement action for noncompliance * Analyze and interpret laboratory analytical data and check for trend changes as needed * Prepare technical graphs, charts, reports, and presentations * Conduct special studies and investigations and develop new program elements in response to new requirements and needs of the City * May sample industrial waste, obtain grab or composite samples, deliver samples to laboratories, perform chemical field and laboratory tests and field measurements of wastewater or stormwater * Assist in managing consultant contracts and agreements * Provide guidance or training to industrial waste inspectors or investigators as needed * Assist in developing and exploring new concepts and ideas related to meeting environmental standards and requirements * Review discharge permit applications, negotiate permit terms and conditions and generate permits * Perform other assignments as needed To see the full job description, click here Minimum Qualifications Sufficient education, training and/or work experience to demonstrate possession of the following knowledge, skills and abilities, which would typically be acquired through: * Bachelor of Science degree in civil, chemical, environmental, mechanical, traffic or other approved engineering curriculum, depending upon area of assignment. and * Two years related engineering experience. (Note: Master's Degree or registration as a Professional Engineer in the State of California may be considered in lieu of one year's experience.) Special Requirements: * Possession of a valid California Driver's License. City Of Palo Alto, CA Palo Alto CA

Director Of Compliance

Earnin