Position: Fintech Compliance Lead

Department: Compliance

Reports To: Chief Compliance Officer

Employment Status: Full-Time, Exempt

Office Location: 22 Vanderbilt, New York, NY

The Role:

The Fintech Compliance Lead is a highly visible, high-impact role responsible for helping shape and scale Emigrant’s compliance program within a rapidly evolving regulatory and fintech environment. Reporting to the Chief Compliance Officer and working closely with senior leadership, this individual will act as a key operator and thought partner, balancing strategic oversight with hands-on execution across the Bank and its Embedded Banking partnerships. This position offers a strong compliance professional the opportunity to step into an impactful role within a growing program, gain meaningful exposure to regulators, examinations, and executive leadership, and build and refine compliance infrastructure within a modern, fintech-forward bank.

Primary Responsibilities:

Support the design, evolution, and ongoing enhancement of the Bank’s consumer compliance framework, including policies, controls, and governance structures.
Lead compliance coverage for fintech partnerships, including driving the execution of risk-based monitoring, testing, and oversight across the organization.
Partner with senior stakeholders to ensure compliance is proactively embedded in business strategy and product development.
Evaluate emerging risks associated with embedded finance and third-party relationships.
Act as a critical control point in ensuring alignment with regulatory expectations across partner programs.
Play a central role in regulatory examinations, audits, and inquiries.
Coordinate the preparation of materials, responses, and remediation plans.
Support the management of findings, MRAs, and issue resolution with a focus on quality and timeliness.
Serve as a trusted compliance advisor to business leaders, providing practical, solutions-oriented guidance.
Review and advise on customer-facing materials, product structures, and new initiatives.
Help shape a culture of accountability, transparency, and sound risk management.
Contribute to annual risk assessments and monitoring plans across lending, deposits, and fintech activities.
Support the evolution of complaints management, training, and compliance reporting.
Lead or support strategic initiatives, including systems, tooling, and process improvements.
Participate in any ad-hoc projects as necessary.

Qualifications

Minimum 7 years' progressive compliance experience within a regulated financial institution or Fintech.
Extensive knowledge of banking-as-a-service and Fintech/sponsor bank relationships.
Extensive knowledge about applicable laws and regulations, including but not limited to the consumer compliance regulations, such as UDAAP, CAN‑SPAM, FCRA, TCPA, TILA (Reg. Z), ECOA (Reg. B), EFTA (Reg. E), TISA (Reg. DD), Privacy, etc.
Strong analytical and research skills with attention to detail.

The job description outlined above is considered a core list of job duties/requirements. This document should not be considered a complete or comprehensive list. The incumbent assigned to this position is required to perform the duties listed above. The incumbent is also expected to adapt to changes and/or additions as needed. Nothing contained within this document is intended or shall be construed to create or constitute a contract of employment between any employee or group of employees and Emigrant Bank and its Subsidiaries. Emigrant Bank and its Subsidiaries retains and reserves any and all rights to change, modify, amend, add to or delete from any section of this document as it deems, in its judgment, to be proper.

New York pay range: $175,000 USD - $225,000 USD

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Manager, Fintech Compliance