Senior Compliance Analyst

THREAD BANK•Nashville, TN

2d•Onsite

About The Position

The Senior Compliance Analyst supports Thread Bank’s Compliance Management program across the bank and its sponsored fintech partners. The role monitors products, services, and operations for compliance risk, interprets regulatory changes, and helps develop monitoring, testing, and reporting to keep the bank and its partners within regulatory boundaries. It works closely with product, technology, operations, Internal Audit, and regulators, requiring sound judgment, strong analytical skills, and the ability to communicate complex regulatory requirements clearly. The position is suited to a compliance professional who thrives in a fast-paced, growing environment and wants to advance their career as the company grows. The role is based at Thread Bank’s Nashville, Tennessee office, with work on site Monday through Friday. The employee must be able to perform the essential functions of the position. Thread Bank will make reasonable accommodations for employees with disabilities as required by the ADA, absent undue hardship.

Requirements

Bachelor’s degree required.
Eight or more years of compliance experience, preferably within financial services, fintech, or a regulatory environment.
Experience supporting regulatory compliance for fintech solutions, such as digital payments, lending, or embedded finance products.
Comprehensive understanding of U.S. laws and regulations applicable to financial institutions and fintechs, including federal and state privacy and consumer protection requirements.
Demonstrated experience managing compliance in highly regulated sectors with dynamic operating models.
Strong attention to detail, analytical skills, and problem-solving skills.
Excellent verbal and written communication skills, including the ability to present findings to internal leadership and external regulators.
Strong project management and organizational skills, with the ability to manage multiple priorities in a fast-paced environment.
Ability to work on site at the Nashville, Tennessee office Monday through Friday.
Ability to perform the essential functions of the position; reasonable accommodations are available as described in the posting.

Nice To Haves

Professional certification or designation such as Certified Regulatory Compliance Manager (CRCM), Certified Internal Auditor (CIA), Certified Information Systems Auditor (CISA), or a related credential.
Experience with Community Reinvestment Act (CRA) compliance.
Experience partnering with startups and other fast-paced, technology-driven organizations.
Familiarity with compliance obligations related to emerging technology in financial services, such as artificial intelligence, big data, and automation.

Responsibilities

Monitor and analyze bank and sponsored fintech partner products, services, and operations to identify compliance risks and ensure compliance with applicable federal and state privacy and consumer protection laws and regulations.
Monitor and interpret regulatory changes affecting the bank and its fintech portfolios, and advise stakeholders on risks and necessary changes.
Liaise with the Compliance Management team on compliance matters specific to fintech solutions.
Assist with compliance risk assessments for the bank and fintech platforms, identifying gaps in policies, processes, and controls.
Assist with developing and implementing compliance monitoring for bank and fintech processes, including key risk indicators, performance indicators, and exception reports.
Assist with developing fintech compliance dashboards to inform stakeholders about fintech compliance activities.
Assist in reviewing policies and procedures tailored to fintech operations.
Assist in administering independent, state, and federal supervisory activity.
Liaise with Internal Audit and regulatory examiners, coordinate visit preparation, and prepare documentation for examinations and audits.
Assist with reviewing compliance-related disclosures, customer communications, and marketing materials.
Research, analyze, and interpret complex regulations to respond to internal and external compliance inquiries.
Assist with consumer complaint investigations, responses, and tracking.
Assist with remediation of audit and regulatory findings.
Work cross-functionally with product teams, technology providers, and operations to integrate compliance considerations into the product development lifecycle.
Educate internal and external stakeholders on regulatory requirements, compliance processes, and best practices.
Support training programs and knowledge-sharing initiatives to contribute to a culture of compliance.
Stay informed about fintech and compliance technology developments and advise on opportunities to adopt innovative compliance solutions.
Serve as a subject matter expert on bank and fintech trends and emerging risks.
Assist with reviewing vendor and partner due diligence materials to confirm regulatory requirements and risk tolerances are met.
Participate in specialized department projects.
Perform additional responsibilities as assigned by management or business needs.