Compliance Specialist

Remote /
Compliance /
/ Remote
Who are we?
X1 is building the smartest credit card ever made. We power over $750M in annualized spending and are rapidly growing.

We have been featured in publications like Business Insider, Fast Company, Forbes, Inc., Money, CNBC, CNET, Nasdaq, TechCrunch and Wired. 

We have raised over $60M from some of the most iconic investors in Silicon Valley, who founded Google Analytics, Y Combinator Continuity, PayPal, Affirm, Box, Yelp, and more. These include David Sacks, Max Levchin, Wesley Chan, CEOs of Yelp, Box, and Y Combinator Continuity, The Chainsmokers, and Jared Leto.

What will you do?
As part of X1’s small (but growing) compliance team, you’ll help X1 ensure it is following all customer-facing legal and regulatory requirements and responding to customer feedback and complaints appropriately.  You’ll have a role in everything X1’s compliance team manages on a day-to-day basis, including:

- Assist with the centralized complaint management process to ensure complaints and inquiries are appropriately recorded, and categorized, investigated thoroughly, and resolved timely.
- Research customer concerns, identify root causes, make recommendations to affect change in current procedures/practices, and work across departmental lines as needed to reach the best outcome.
- Draft and/or review and approve responses to escalated complaints (e.g. UDAAP/ Fair Lending) and regulatory complaints. 
- Assist with compliance monitoring, testing and exception reporting initiatives and projects, including suggesting and rolling out process improvements based on identified gaps.
- Draft, review and revise internal compliance policies and operational procedures in collaboration with the X1 legal team and operations staff.
- Review proposed marketing materials for compliance with regulatory requirements and potential UDAAP/customer confusion issues.
- Directly communicate with our bank partner to triage and/or fulfill data and other requests in connection with their oversight of the X1 program. 
- Other duties may be assigned to meet business needs.

Who are you?
- At least 3 years experience in a consumer financial services compliance role that required investigative problem-solving skills and the ability to make sound decisions about risks and recommended action
- Deep understanding of laws and regulations relating to consumer financial services, including TILA, FCRA, EFTA/Reg E, MLA/SCRA, ECOA, E-SIGN, UDAAP, GLBA, BSA/AML and others
- Excellent written and verbal communication skills; must be able to clearly and concisely communicate compliance issues to other internal and external stakeholders
- Experience with creating reproducible and well-documented code in SQL or another language is preferred.
- Ability to craft structure within ambiguity and juggle multiple projects
- Can work autonomously and make judgment calls with confidence 
- Hungry to learn and grow alongside a growing business

As an early team member at X1, you will be a critical voice and have significant influence over the direction of the company. We will compensate you well, invest deeply in your development, and ensure this is the single best work experience of your life. If you think you’d be a good fit, we’d love to hear from you.
How can you reach us?
To learn more, see