Head of Consumer and Lending Compliance

Gemini•Miami, NY

4d•Hybrid

About The Position

In this role, you will lead the compliance program for Gemini’s deposit and lending products, including the first-in-class crypto rewards credit card and business credit card. You will be responsible for creating a comprehensive strategy to scale the program and support the business in delivering product features in a compliant and consumer-friendly way. The ideal candidate will have a deep knowledge of consumer finance regulations, be solutions-oriented, and have experience operating in a fast-moving environment. Superior communication skills are essential, as this individual will be required to communicate effectively with various stakeholders, including product, technology, legal, risk, as well as banking partners and regulators. This role reports directly to Gemini’s Global Chief Compliance Officer and has a direct line of communication to the Board.

Requirements

Bachelor's degree.
10+ years of compliance experience in credit, banking, fintech, or other financial regulatory compliance industry
at least 4+ years of experience overseeing a consumer compliance program is a must
Experience supporting a fast-scaling business
Possess deep knowledge and real world application of all lending and banking laws and regulations including UDAAP, TILA, TISA, ECOA, FCRA, EFTA, MLA, SCRA, GLBA, and CAN-SPAM
Proven track record of providing oversight and strategic vision for the entirety of a Compliance Management System (CMS)

Nice To Haves

CRCM or Juris Doctor preferred

Responsibilities

Oversee the consumer compliance program in accordance with applicable laws and regulations (e.g., UDAAP, ECOA, FCRA, TILA, etc.)
Serve as the primary advisor to the credit card business and other horizon banking and lending products, providing guidance on new product development, product changes, and marketing initiatives
Manage a team of compliance professionals responsible for monitoring and testing, complaint management, third party oversight, issue management, compliance reporting, and customer-facing communications, among other areas
Provide regular reporting to the Board of Managers and other governance committees
Serve as the primary liaison between Gemini and its sponsor bank partner
Respond to internal and external audits, examinations, and regulatory inquiries related to credit card card operations
Oversee risk assessments for consumer banking products, identifying potential areas of risk and working cross-functionally to manage such risks
Serve as the Fair Lending Officer overseeing the company’s fair lending program
Ensure proper oversight of vendors and other third parties that present potential compliance or regulatory risk
Oversee remediation plans for high priority issues to ensure timely remediation and remedy of any compliance-related issues
Remain up-to-date on regulatory changes and landscapes, best practices and developments in the industry and ensure our implementation is both compliant and forward thinking
Provide timely and accurate advice and guidance to the Gemini’s staff on issues arising from compliance policy areas and subject matter within the responsibility of the Compliance Department