Compliance Manager

As the Compliance Manager, you will support Dave’s Compliance Management System by building out and leading the compliance advisory support for the AML/BSA and fraud functions, supporting the operational risk functions, and overseeing Sponsor Bank program obligations related to these areas. This is a great opportunity to spearhead and be a key driver in shaping Dave’s robust compliance framework. Your focus will be to develop, implement and enhance Dave’s compliance program and ensure we’re well-positioned for sustainable growth as we continue leveling the financial playing field for our members.

What you’ll do

• Work directly with operations and BSA/AML and Fraud teams to support new and existing product expansion by scoping, defining and communicating product and compliance requirements for those areas.

• Perform ongoing analysis and provide advisory support specific to AML/BSA, Fraud, and credit bureau reporting, including all dispute resolution processes.

• Review annual BSA/AML compliance assessment for multiple Sponsor Banks and drive any required enhancements or resulting mitigation steps. 

• Support internal change management and documentation practices for operational areas, including Ops Risk functions, to mitigate regulatory risk and follow regulations, including aiding in the development of business operations policies/procedures and ensure implementation of compliance processes within those areas.

• Oversee incoming or outgoing bank partner submissions, from the operational teams, including potentially unusual activity, to ensure regulatory expectations are met prior to submission.

• Support the compliance function in defining and achieving departmental initiatives, maintaining relevant policies and procedures, developing documentation solutions, and liaising with state and federal examiners and auditors.

• Build and maintain strong, collaborative relationships with internal and external partners such as the Legal, Sponsor Banks, Finance, and Ops Risk functions.

• Support program governance functions such as BSA/AML committees and related annual audits.

• Assist in the implementation of a testing program to determine the adequacy and effectiveness of compliance controls and develop periodic reporting on the test results.

• Navigate through multiple internal tools to identify key information pertinent to case investigations, Sponsor Bank escalations, and SAR referrals.

• Review, facilitate and develop action plans related to compliance risk assessments.

• Assist Compliance Leadership in fulfilling information requests from third-party partners and facilitate examination/interface with regulators.

• Utilize MS Excel functions (pivot tables) to analyze and establish evidence of illicit activities on customer data, other financial records and any ad hoc tasks assigned. 

• Assist in the development and maintenance of policies, procedures, and training programs.

What you’ll need

• 6+ years of experience working in a compliance or risk management role.

• Experience working with lending and deposit financial products and related BSA/AML/Risk/Fraud/Reg E and Credit Bureau regulations; other lending and deposit product regulatory experience a plus.

• Experience in bank partnership fintech organizations as well as traditional banks.

• Experience with work management tools and team collaboration platforms - we utilize JIRA and Confluence.

• ACAMS certification required; other professional certifications, such as the Certified Regulatory Compliance Manager (CRCM) a plus.

• Solid sense of urgency, accountability and excellent focus on attention to detail in a constantly evolving environment.

• Results driven and forward thinking approach with ability to problem-solve complex issues to drive shared goals and outcomes across internal and external teams.

• Ability to analyze qualitative and quantitative data to formulate meaningful insights and compile information in a structured, logical manner.

Don’t let imposter syndrome get in your way of an incredible opportunity. We’re looking for people who can help us achieve our mission and vision, not just check off the boxes. If you’re excited about this role, we encourage you to apply. You may just be the right candidate for this or other roles.

Why you’ll love working here: 

At Dave, our people are just as important as our product. Our culture is a reflection of our values that guide who we are, how we work, and what we aspire to be. Daves are member centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual first company, team members can live and work anywhere in the United States, with the exception of Hawaii. 

A few of our benefits & perks:

• Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals

• Flexible hours and virtual first work culture with a home office stipend

• Premium Medical, Dental, and Vision Insurance plans

• Generous paid parental and caregiver leave

• 401(k) savings plan with matching contributions

• Financial advisor and financial wellness support

• Flexible PTO and generous company holidays, including Juneteenth and Winter Break

• All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team

Dave Operating LLC is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.

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