# Head of Consumer and Lending Compliance

**Company**: Gemini
**Location**: New York, NY
**Work arrangement**: hybrid
**Experience**: executive
**Job type**: full-time
**Salary**: $150,500 - $215,000
**Category**: Finance
**Industry**: Finance

**Apply**: https://job-boards.greenhouse.io/gemini/jobs/8202118?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_6b797524-777

## Description

Gemini is seeking a Head of Consumer and Lending Compliance to lead the compliance program for its deposit and lending products, including a crypto rewards credit card and business credit card.

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.

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 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 implementation is both compliant and forward-thinking

- Provide timely and accurate advice and guidance to Gemini's staff on issues arising from compliance policy areas and subject matter within the responsibility of the Compliance Department

Qualifications:

- Bachelor's degree; CRCM or Juris Doctor preferred

- 10+ years of compliance experience in credit, banking, fintech, or other financial regulatory compliance industry and at least 4+ years of experience overseeing a consumer compliance program

- 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)

The compensation & benefits package for this role includes:

- Competitive starting pay

- A discretionary annual bonus

- Long-term incentive in the form of a new hire equity grant

- Comprehensive health plans

- 401K with company matching

- Paid Parental Leave

- Flexible time off

## Skills

### Required
- UDAAP
- ECOA
- FCRA
- TILA
- Compliance Management

### Nice to have
- CRCM
- Juris Doctor

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/gemini/jobs/8202118?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)