Head of Consumer and Lending Compliance

About the Position

Gemini is seeking a Head of Consumer and Lending Compliance to lead their compliance program for deposit and lending products. This role is pivotal in ensuring that Gemini's deposit and lending products, including the first-in-class crypto rewards credit card and business credit card, are compliant with applicable laws and regulations.

Responsibilities

• Oversee the consumer compliance program in accordance with applicable laws and regulations (e.g., UDAAP, ECOA, FCRA, TILA, etc.)
• Serve as the primary advisor to the credit card business and other horizon banking and lending products, providing guidance on new product development, product changes, and marketing initiatives
• Manage a team of compliance professionals responsible for monitoring and testing, complaint management, third party oversight, issue management, compliance reporting, and customer-facing communications, among other areas
• Provide regular reporting to the Board of Managers and other governance committees
• Serve as the primary liaison between Gemini and its sponsor bank partner
• Respond to internal and external audits, examinations, and regulatory inquiries related to credit card operations
• Oversee risk assessments for consumer banking products, identifying potential areas of risk and working cross-functionally to manage such risks
• Serve as the Fair Lending Officer overseeing the company’s fair lending program
• Ensure proper oversight of vendors and other third parties that present potential compliance or regulatory risk
• Oversee remediation plans for high priority issues to ensure timely remediation and remedy of any compliance-related issues
• Remain up-to-date on regulatory changes and landscapes, best practices and developments in the industry and ensure our implementation is both compliant and forward thinking
• Provide timely and accurate advice and guidance to the Gemini’s staff on issues arising from compliance policy areas and subject matter within the responsibility of the Compliance Department

Requirements

• Bachelor's degree. CRCM or Juris Doctor preferred
• 10+ years of compliance experience in credit, banking, fintech, or other financial regulatory compliance industry and at least 4+ years of experience overseeing a consumer compliance program is a must
• Experience supporting a fast-scaling business
• Possess deep knowledge and real world application of all lending and banking laws and regulations including UDAAP, TILA, TISA, ECOA, FCRA, EFTA, MLA, SCRA, GLBA, and CAN-SPAM
• Proven track record of providing oversight and strategic vision for the entirety of a Compliance Management System (CMS)

We Offer

• Competitive starting pay
• A discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401K with company matching
• Paid Parental Leave
• Flexible time off

Salary Range

The base salary range for this role is between $150,500 - $215,000 in the State of New York. This range is not inclusive of our discretionary bonus or equity package.

About the Company

Gemini is a global crypto and Web3 platform founded by Cameron and Tyler Winklevoss in 2014, offering a wide range of simple, reliable, and secure crypto products and services to individuals and institutions in over 70 countries. Our mission is to unlock the next era of financial, creative, and personal freedom by providing trusted access to the decentralized future. We envision a world where crypto reshapes the global financial system, internet, and money to create greater choice, independence, and opportunity for all - bridging traditional finance with the emerging cryptoeconomy in a way that is more open, fair, and secure. As a publicly traded company, Gemini is poised to accelerate this vision with greater scale, reach, and impact.

Locations

• New York, New York; USA
• Miami, Florida; USA
• Remote (USA)

Work Location Type

Hybrid

Equal Opportunity Employer

At Gemini, we strive to build diverse teams that reflect the people we want to empower through our products, and we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. Equal Opportunity is the Law, and Gemini is proud to be an equal opportunity workplace. If you have a specific need that requires accommodation, please let a member of the People Team know.