Who We Are

Cross River is a highly profitable, fast-growing financial technology company powering the future of financial services. Our comprehensive suite of innovative and scalable embedded payments, cards, and lending products deliver financial services for millions of businesses and consumers around the globe. Cross River is backed by leading investors and serves the world’s most essential fintech and technology companies. Together with its partners, Cross River is reshaping global finance and financial inclusion. 

We are on a mission to build the infrastructure that propels access, inclusion, and the democratization of financial services. While our company has tripled in size over the last three years, our strong sense of purpose led Cross River to be named to American Banker’s list of Best Places to Work in Fintech for the last 6 years. The reason for this success is simple – our nimble and collaborative family culture lives in every member of our growing team. Together we are at the forefront of technology and innovation, and we invite passionate, collaborative, and motivated high performers to join our expanding team.

What We’re Looking For

Cross River’s Compliance team makes sure our products and services meet regulatory standards – whether we offer them directly to customers or through our fintech partners.  The Partner Standards team focuses on the due diligence and onboarding of new fintech partners. We’re looking for a compliance leader who is passionate about fintech and ready to hit the ground running to help build out and streamline our onboarding program.

Responsibilities:

• Oversee due diligence activities to ensure the risks of a new partnership are properly assessed. Advise management on such risks and make recommendations regarding proposed engagements.
• Participate in the development and delivery of compliance management system materials and training for fintech partners.
• Develop strong working relationships with internal and external stakeholders, while setting clear expectations regarding third-party compliance with law, regulation, and Bank policy.
• Advise partners on the risks associated with their proposed product and design of related operational controls.
• Coordinate with other compliance teams to ensure a consistent approach to handling compliance issues.  
• Prepare deliverables and provide support for regulatory exams and/or internal audits  

Qualifications:

• 7+ years compliance experience supporting a variety of bank products and services.
• Strong practical experience advising product and operational teams on the design and implementation of new banking products
• Demonstrated ability to explain the compliance risks associated with product proposals and advise stakeholders on developing both customer-facing content and key operational controls.
• Experience developing the elements of a compliance program, including risk assessment, monitoring and testing planning, third party oversight, and compliance training.
• Expertise in laws and regulations governing consumer and commercial financial products, including, but not limited to, TILA/Regulation Z, ECOA/Regulation B, FCRA/Regulation V, SCRA, MLA, EFTA/Regulation E, TISA/Regulation DD, EFAA/Regulation CC, as well as industry best practices.  
• Experience supporting regulatory exams and audits.
• Proven track record showing ability to manage multiple large projects and competing priorities.
• Excellent communication skills and ability to interact effectively with internal and external stakeholders at the non-executive and executive level.
• Effective persuasion skills and ability to develop practical solutions that meet business needs while remaining compliant with applicable laws within the Banks’ risk tolerance.  
• Highly motivated, strong attention to detail, team oriented, organized
• Strong interest in technology and innovation. Prior fintech experience a plus.
• CRCM and/or JD a plus.

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Salary Range: $130,000.00 - $160,000.00