Chief Compliance Officer

CreditGenie, Inc.

Job Overview

Location

New York, NY

Job Type

Full-time

Full Job Description

📋 Description

• Design, implement, and lead a comprehensive compliance program that enables innovation while ensuring adherence to U.S. consumer financial regulations, including those governing cash advances, lending, credit products, tradelines, and payments.
• Advise senior leadership and the Board of Directors on compliance posture, providing data-driven reports on program efficacy, regulatory trends, and key risk areas to inform strategic decision-making.
• Proactively monitor and interpret evolving federal and state regulatory developments, adapting compliance frameworks to anticipate and mitigate emerging risks in the Earned Wage Access (EWA) and financial technology sectors.
• Engage directly with state and federal regulators, industry groups, and policymakers to help shape regulatory standards for EWA and credit-building products.
• Embed compliance into the product development lifecycle by collaborating closely with product, engineering, and design teams to ensure regulatory requirements are integrated early, not as a final approval step.
• Structure financial products to balance regulatory compliance with customer experience, market competitiveness, and operational efficiency, reducing friction without compromising integrity.
• Build scalable compliance solutions that support company growth into new markets and product lines, including expansion into credit card offerings requiring full KYC processes.
• Develop and maintain robust AML/KYC programs aligned with Bank Secrecy Act (BSA), OFAC requirements, and FinCEN guidance, ensuring effective transaction monitoring, case management, and reporting.
• Foster a compliance-first culture across the organization by educating employees on practical, actionable compliance principles rather than rigid policy enforcement.
• Partner with legal, risk, finance, and operations teams to align compliance strategy with overall business objectives and product innovation goals.
• Ensure compliance processes are lightweight, efficient, and designed to scale with the company’s rapid growth, avoiding operational bottlenecks.
• Communicate complex regulatory requirements clearly to both technical and executive audiences, translating legal obligations into business-enabling guidance.
• Maintain familiarity with compliance tooling for transaction monitoring, case management, and reporting systems to support operational effectiveness.
• Promote a culture where regulations are viewed as guardrails for smart innovation, not as obstacles to product development or customer growth.

🎯 Requirements

• 10+ years of experience in compliance, legal, or risk management roles within fintech, financial services, or adjacent regulated industries
• Proven track record of building or scaling compliance programs in product-driven, fast-paced environments, ideally at a Series A–C stage and/or technology company
• Strong working knowledge of U.S. consumer financial regulations, including those relevant to cash advances, lending, credit products, tradelines and payments
• Experience designing and implementing AML/KYC programs, with knowledge of Bank Secrecy Act (BSA), OFAC requirements, and FinCEN guidance
• CAMS certification (or equivalent AML credential) strongly preferred, particularly given the company’s expansion into credit card products requiring full KYC
• Demonstrated ability to interpret and apply regulations pragmatically, enabling compliant solutions that support innovation and user experience

🏖️ Benefits

• 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment
• Receive up to $100 per month in fitness reimbursement or enjoy a complimentary full membership to LifeTime Fitness or Equinox
• 401(k) with a 3.5% match and immediate vesting
• Meal program available for both lunch and dinner
• Pre-tax benefits, including a $1,000 HSA match
• Life and accidental insurance
• Flexible PTO

Skills & Technologies

Swift

Remote

Degree Required

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CreditGenie, Inc.

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About CreditGenie, Inc.

CreditGenie offers cash-advance and financial-wellness services through a mobile app that tracks spending, flags upcoming bills, and provides small-dollar advances without traditional interest. Users link bank accounts to receive personalized budgeting insights and optional advances against future income, repaid automatically on the next payday. The company also markets credit-monitoring and identity-protection add-ons. Headquartered in Philadelphia, it partners with Pathward, N.A. for banking services and operates under state lending licenses across the U.S.

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