Compliance / Risk Analyst

California /
Legal & Compliance /
Full-time
One Overview:
At One we believe hardworking people deserve a banking service designed for them and the relationships they value most. For most people, money is a major source of anxiety. Complicating things further, the current financial system breaks up the money you earn, save and borrow into siloes. This makes it hard to maximize your paycheck, and it’s difficult to get a clear picture of where you’re at and feel in control.
 
Although there’s been a lot of exciting innovation in the financial industry, traditional banks still tend to cater to more affluent customers while new digital banks tend to target younger consumers with simpler financial needs. The majority of American families are somewhere in the middle and are being left behind. We decided to change that approach. We’ve been rebuilding the primary elements of banking – saving, spending, borrowing, and sharing – and combining them in an all-in-One account.
 
Job Overview:
We are seeking a Compliance / Risk Analyst to play an integral role in operationalizing our compliance program. Your contributions will fundamentally impact the long-term scalability and effectiveness of our compliance program and the success of our company. The role is based in California.

Responsibilities:

    • Helping to administer our compliance management system, including policies and procedures; risk assessments; monitoring, testing, and corrective action processes; and complaints management and compliance training programs
    • Partnering with internal stakeholders to maintain a robust vendor risk management program
    • Monitoring and taking action on alerts for unusual activity; using strong investigative and analytical skills to decision those alerts and escalate them as appropriate; and drafting reports
    • Providing compliance advice; monitoring activities and trends across the company to identify potential areas of compliance risk; and collaborating with other teams to implement platform and systems changes to decrease compliance and operational risk
    • Working with the Operations team to meet compliance and due diligence requirements for our bank and vendor partnerships
    • Assisting with reporting to ensure senior management and our board are kept regularly apprised of compliance and operational risk
    • Helping to build a strong culture of compliance across the company

Qualifications:

    • Undergraduate degree and 3 to 4 years’ relevant experience in consumer banking risk and compliance at a financial institution or B2C Fintech
    • Experience in banking compliance and operations, and working knowledge of relevant laws and regulations (eg BSA, TILA, TISA, EFTA, FCRA, ECOA, UDAAP)
    • Experience reviewing unusual activity transaction alerts for potential money laundering, fraud, and other criminal activity
    • Meticulously organized with ability to successfully manage disparate projects in parallel
    • Results-oriented and analytical, with ability to work independently and adaptively, anticipate and mitigate friction points, and take action to promptly resolve and learn from challenges
    • Ability to work closely and communicate effectively with colleagues in all functions at all levels who are working remotely
    • Skilled in both written and verbal communications with all levels of an organization
    • ACAMS and/or CRCM designation(s) a plus
    • Available for future occasional travel to Sacramento or the Bay Area
·       Early stage equity package
·       Full medical, dental, and vision coverage, as well as wellness benefits
·       11 observed holidays and flexible vacation
·       401k
·       Commuter benefits
·       3 month Parental leave