Senior Manager, Consumer Compliance
- Compensation
- Not disclosed
- Location
- Palo Alto, CA
- Work setup
- Not specified
- Seniority
- Senior
- Employment
- Not specified
- Experience
- 7+ years
- Category
- Not specified
- Posted
Skills
Must have
- 7+ years of consumer compliance experience in banking, fintech, payments, or regulated financial services.
- Strong experience with consumer deposit compliance and bank Compliance Management Systems.
- Deep working knowledge of Regulation E, Regulation CC, Regulation DD, UDAAP, Regulation P/GLBA, consumer privacy, complaint management, marketing/advertising, and deposit servicing requirements.
- Experience with compliance risk assessments, monitoring and testing, regulatory change management, and issue remediation.
- Experience advising Product, Operations, Marketing, and Technology teams on regulatory requirements.
- Experience supporting bank regulatory examinations, audits, or independent compliance reviews.
- Strong regulatory judgment with the ability to translate complex requirements into clear, practical guidance.
- Strong written, analytical, communication, and stakeholder-management skills.
Nice to have
- Experience at a national bank, federally regulated bank, sponsor bank, fintech bank, or payments-focused financial institution.
- Experience interacting with the OCC, Federal Reserve, FDIC, CFPB, or state banking regulators.
- Experience building or enhancing a Consumer Compliance Program or CMS.
- Experience with digital banking and third-party-enabled consumer deposit products.
- CRCM or comparable consumer compliance certification.
- Bachelor’s degree or equivalent professional experience.
Full description
Who We Are
The world is moving towards instant digital payments and TabaPay is leading the way. We help thousands of Fintechs in the US and Canada instantly move money in and out of accounts and we are actively expanding into other countries. Our customers represent the hottest verticals in the financial service industry such as neobanks, challenger brokers, gaming and wallets. TabaPay is a highly profitable rocketship that processes billions of dollars each year. To learn more visit www.tabapay.com.
The Senior Manager, Consumer Compliance serves as TabaPay’s primary subject matter expert for consumer compliance and provides independent Second Line oversight of consumer compliance risk across the enterprise, with particular responsibility for TabaBank’s consumer banking products and activities.
Reporting to the Chief Compliance Officer, this role will help build, implement, and maintain the Consumer Compliance Program as a core component of the enterprise Compliance Management System (CMS). The role will provide regulatory guidance, oversight, monitoring, testing, and independent challenge to business and operational teams throughout the consumer product lifecycle.
The immediate focus will be supporting TabaBank’s consumer deposit products and ensuring the Consumer Compliance Program is fully operational prior to product launch. This is consistent with the commitment made to the Federal Reserve to establish a dedicated Consumer Compliance Officer and have the program operational before TabaBank’s first consumer deposit transaction.
What You’ll Do
Consumer Compliance Program & Regulatory Expertise
- Serve as the primary subject matter expert for federal and state consumer protection requirements.
- Maintain and continuously enhance the Consumer Compliance Program within the enterprise CMS.
- Provide independent Second Line oversight and credible challenge of First Line consumer compliance activities.
- Lead consumer compliance risk assessments and maintain regulatory applicability and requirements mapping.
- Monitor regulatory developments and translate changes into actionable requirements for policies, procedures, controls, disclosures, training, and business processes.
- Identify, escalate, and support remediation of material consumer compliance risks and issues.
TabaBank Consumer Compliance
Provide Second Line oversight of TabaBank’s consumer deposit products, with particular expertise in:
- Regulation E and electronic funds transfers
- Regulation CC and funds availability
- Regulation DD / Truth in Savings
- UDAAP