Director of Consumer Compliance

San Francisco, CA / Irvine, CA / Teaneck, NJ
EnFin – Risk, Credit, & Compliance /
Full-time /
On-site
EnFinseeks an experienced professional to lead the company’s consumer lending compliance division.  This is a leadership position reporting directly to the President of EnFin, with an additional reporting line to EnFin’s Board.  The ideal candidate has meaningful experience in the consumer lending sector working with financial institutions and regulators, as well as managing internal audit and review processes. Experience in the fintech lending and/or residential solar lending is a plus. This employment opportunity is eligible for remote work, however, Hybrid or Onsite work may be required for candidates residing within a commutable distance to any of our corporate offices in the following locations: San Francisco, CA; Irvine, CA; and Teaneck, NJ.

Responsibilities

    • Own and lead the implementation of all policies and procedures related to consumer compliance, including regulatory reporting processes, customer complaint management processes, and internal compliance audits and analyses. 
    • Collaborate with operations and sales leadership to manage and mitigate compliance-related risk across the organization 
    • Provide expert guidance on EnFin’s loan application process and associated disclosures 
    • Lead all compliance-related discussions with capital partners and regulators and explain EnFin’s initiatives, models and operations 
    • Develop and insure internal adherence to governance structure and protocols relating to BSA/AML as well as other lending requirements 
    • Articulate compliance-related requirements to internal and external stakeholders 

Required Qualifications

    • 12+ years experience in risk management and compliance 
    • Demonstrated track record in consumer lending /compliance auditing, operations, and/or regulation 
    • Strong understanding of compliance regulations as it pertains to consumer lending industry 
    • Prior experience leading interactions with regulators, CFPB, etc. 
    • Good knowledge of Consumer and Commercial credit risk concepts 
    • Detail oriented and well organized 
    • Excellent oral and written communication skills with the ability to communicate with executives 
    • Entrepreneurial and flexible mindset with demonstrated ability to thrive in a high-growth environment 
    • Bachelor’s degree 

Preferred Qualifications

    • Consumer lending compliance certifications (CAMS, FLE, etc) 
    • Experience in the fintech and/or B2B2C lending sectors 
    • Experience working with state and/or national lending regulators 
Hanwha Q CELLS America Inc. (“HQCA”) is headquartered in Irvine, CA, and handles sales for the North American region. It is a subsidiary of Hanwha Q CELLS Co., Ltd., one of the world´s largest and most recognized photovoltaic manufacturers for its high-performance, high-quality solar cells and modules. It is headquartered in Seoul, South Korea (Global Executive HQ), Thalheim, Germany (Technology & Innovation HQ), and San Francisco, USA (Energy Storage/Inverter & Software HQ). Through its growing global business network spanning Europe, North America, Asia, South America, Africa, and the Middle East, the company provides excellent services and long-term partnerships to its customers in the utility, commercial, government, and residential markets. Hanwha Q CELLS is a flagship company of Hanwha Group, a FORTUNE Global 500 firm, and a Top 8 business enterprise in South Korea. HQCA recently acquired Geli, a leading developer of Energy Management System software for energy storage, solar, and other renewable resources.

Benefits*
·   Medical, Dental, Vision
·   Paid Time Off
·   Tuition Reimbursement
·   401K
·   Paid Holidays
* All benefits dependent on role and eligibility

Physical, Mental, & Physical Demands

To comply with the Rehabilitation Act of 1973 the essential physical, mental and environmental requirements for this job are listed below. These are requirements normally expected to perform regular job duties. Incumbent must be able to successfully perform all of the functions of the job with or without reasonable accommodation. 

Mobility
Standing: 20% of time
Sitting: 70% of time
Walking: 10% of time

Strength
Pulling: up to 10 Pounds
Pushing: up to 10 Pounds
Carrying: up to 10 Pounds
Lifting: up to 10 Pounds

Agility (F = Frequently, O = Occasionally, N = Never)
Turning: F
Twisting: F
Bending: O
Crouching: O
Balancing: N
Climbing: N
Crawling: N
Kneeling: N

Dexterity (F = Frequently, O = Occasionally, N = Never)
Typing: F
Handling: F
Reaching: F


All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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