Associate, Compliance (Credit Card)

Gemini•San Francisco, NY

1d•Hybrid

About The Position

Gemini is a global crypto and Web3 platform founded by Cameron and Tyler Winklevoss in 2014, offering a wide range of simple, reliable, and secure crypto products and services to individuals and institutions in over 70 countries. Our mission is to unlock the next era of financial, creative, and personal freedom by providing trusted access to the decentralized future. We envision a world where crypto reshapes the global financial system, internet, and money to create greater choice, independence, and opportunity for all — bridging traditional finance with the emerging cryptoeconomy in a way that is more open, fair, and secure. As a publicly traded company, Gemini is poised to accelerate this vision with greater scale, reach, and impact. 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. This role will directly support the compliance program for the Gemini Credit Card product. The Gemini Credit Card is a unique, consumer credit card that offers up to 4% back in the cryptocurrency of the customer’s choice. By bridging the gap between crypto and a traditional financial product, Gemini is paving the way for the future of consumer crypto products. As a Regulatory Compliance Associate for the Gemini Credit Card product, this individual is a compliance subject matter expert across various consumer finance regulations. An Associate is expected to provide support for senior Compliance team members and key compliance initiatives. An Associate will also represent the Compliance team with other members of Gemini and respond to inquiries from Gemini’s bank partner, regulators, and other external parties. The Compliance Associate will have a strong resourceful aptitude for organization, applying rules and regulations in real-time scenarios as well as collaboration with inter-departmental business unit owners, and fostering a culture of compliance throughout the organization. This role will report to the Compliance Manager for the Gemini Credit Card. This role is required to be in person twice a week at either our San Francisco, CA or New York City, NY office.

Requirements

Bachelor's degree.
2-4 years of compliance experience in credit, banking, fintech, or other financial regulatory compliance industry with a focus on credit card regulatory compliance.
Possess understanding of credit and banking laws and regulations including UDAAP, ECOA, MLA/SCRA, FCRA, GLBA, and other consumer lending regulations.
Ability to identify potential compliance issues and work effectively to remediate them.
Demonstrate a track record of supporting key Compliance initiatives.

Nice To Haves

Preferred CRCM or similar certifications.

Responsibilities

Help manage the Issue Management program to ensure appropriate mitigation, remediation, root cause analysis, tracking, reporting and resolution.
Incumbent will lead and work across all functional areas, including advising Business and Product stakeholders, to ensure successful resolution and timely handling of issues in accordance with partner-bank expectations and regulatory requirements, such as those related to UDAAP, ECOA, FCRA, TILA, CAN-SPAN and more.
Lead the development and monitoring of KRIs and KPIs to measure the program’s health.
Take a supporting role in identifying, mapping out, documenting, and rating controls and risks as part of our Risk Assessment program.
Gather, review, and analyze data to evaluate potential issues and risks and provide actionable compliance recommendations as well reporting of metrics.
Support complaint management including track, analyze, and address customer complaints related to the Gemini Credit Card, ensuring timely resolution and compliance with regulatory expectations.
Respond to audit, partner bank, and regulatory requests.
Identify compliance gaps or issues and work cross-functionally to implement corrective actions.
Review escalations from key compliance processes based on defined risk thresholds.
Support day-to-day compliance operations for the credit card product line.
Assist in maintaining policies and procedures to ensure compliance with relevant regulations, including those related to credit card operations.
Work with legal, risk, and operations teams to ensure a well-integrated approach to regulatory compliance.
Lead reporting to oversight and governance committees on the state of compliance risk and prepare reporting materials.
Support senior members of the Compliance team as needed.