Senior Associate, Regulatory Compliance (Credit Card)

About The Company

Gemini is a global crypto and Web3 platform founded by Tyler Winklevoss and Cameron Winklevoss in 2014. Gemini offers a wide range of crypto products and services for individuals and institutions in over 70 countries.

Crypto is about giving you greater choice, independence, and opportunity. We are here to help you on your journey. We build crypto products that are simple, elegant, and secure. Whether you are an individual or an institution, we help you buy, sell, and store your bitcoin and cryptocurrency.

At Gemini, our mission is to unlock the next era of financial, creative, and personal freedom.

In the United States, we have a flexible hybrid work policy for employees who live within 30 miles of our office headquartered in New York City and our office in Seattle. Employees within the New York and Seattle metropolitan areas are expected to work from the designated office twice a week, unless there is a job-specific requirement to be in the office every workday. Employees outside of these areas are considered part of our remote-first workforce. We believe our hybrid approach for those near our NYC and Seattle offices increases productivity through more in-person collaboration where possible.

The Department: Compliance

Compliance at Gemini is a team dedicated to managing the next generation of financial and regulatory compliance in a complex and evolving regulatory environment. We are a diverse group of technology, legal, and operational professionals who develop new approaches to solving classic problems using cutting edge tools and processes.

The Role: Senior Associate, Regulatory Compliance (Credit Card)

Gemini is looking for a smart, friendly individual who is organized, detail-oriented and eager to contribute to a world-class Compliance team. In this role, you will support senior Compliance leadership across all areas of regulatory compliance for the Gemini Credit Card, including consumer finance regulation, consumer protection, credit card compliance, and other regulatory domains. This role requires strong organizational skills, a keen understanding of relevant rules and regulations for lending products, quick decision-making, and proficiency with cross-collaboration.

Responsibilities

• Develop and lead the Compliance Testing & Monitoring program, including development of execution of testing of controls and processes in order to assess and enhance compliance with applicable laws and regulations such as UDAAP, ECOA, FCRA, TILA, CAN-SPAN and more.
• Partner with and advise business stakeholders, including Product, Marketing, and Engineering, on regulatory requirements related to changes in credit card/consumer lending regulations and Gemini product offerings.
• Own workstreams that feed into the Regulatory Compliance Risk Assessment.
• Manage end-to-end identification, development, and implementation of controls to support changes in the company’s product and features.
• Support the compliance issue management framework and ensure the timely remediation of issues, including advising business units on the execution of corrective action plans.
• Gather, review, and analyze data to evaluate potential issues and risks and provide actionable compliance recommendations as well reporting of metrics.
• Prepare and present data-driven reports on key risk indicators to company management.
• Support day-to-day compliance operations for the credit card product line.
• Support the Head of Compliance and other members of the Compliance team as needed.
  
  

Qualifications

• Bachelor's degree. CRCM or similar industry-recognized compliance certification(s) preferred.
• 5+ years of compliance experience in credit card, consumer lending, banking, fintech, or other financial regulatory compliance industry.
• Possess understanding of credit and banking laws and regulations including UDAAP, ECOA, MLA/SCRA, FCRA, GLBA, and associated regulations.
• Experience querying data and utilizing data visualization tools.
• Demonstrated track record of supporting key Compliance initiatives.
• Experience working at a financial technology company that operates through a bank partnership preferred.
  
  

It Pays to Work Here

The Compensation & Benefits Package For This Role Includes

• Competitive starting salary
• A discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401K with company matching
• Paid Parental Leave
• Flexible time off
  
  

Salary Range: The base salary range for this role is between $95,000 - $119,000 in the State of New York, the State of California and the State of Washington. This range is not inclusive of our discretionary bonus or equity package. When determining a candidate’s compensation, we consider a number of factors including skillset, experience, job scope, and current market data.

At Gemini, we strive to build diverse teams that reflect the people we want to empower through our products, and we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. Equal Opportunity is the Law, and Gemini is proud to be an equal opportunity workplace. If you have a specific need that requires accommodation, please let a member of the People Team know.