Senior Compliance Program Manager - Digital Assets

At Early Warning, we’ve powered and protected the U.S. financial system for over thirty years with cutting-edge solutions like Zelle®, Paze℠, and so much more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses.

Positions located in Scottsdale, San Francisco, Chicago, or New York follow a hybrid work model to allow for a more collaborative working environment.

Candidates responding to this posting must independently possess the eligibility to work in the United States, for any employer, at the date of hire. This position is ineligible for employment Visa sponsorship.

Overall Purpose

Responsible for building and managing compliance programs designed to ensure compliance with relevant laws and regulations mandated by a variety of regulatory bodies.  This includes all aspects of project planning and execution of these programs to ensure the Business is compliant.  This role will collaborate with staff at all levels of the organization to ensure project follow up and that projects are completed on time, on budget and in scope, in order to implement a sound and comprehensive program.

This role may also support compliance oversight for emerging digital money movement capabilities, including digital asset and multijurisdictional payment frameworks.

Essential Functions

• Manage, define, design and execute a compliance program designed to ensure ongoing compliance, including identifying standards, drafting controls, and mapping standards to controls.

• Management activities will include collaborating with enterprise-level and business units to ensure successful program execution.  Report on project results, metrics, tests and deployments of these programs.  Serve as the subject matter expert regarding laws, regulations, practices and policies applicable to the program.

• Assess and implement compliance controls supporting digital money movement solutions, including digital asset–related services and associated regulatory considerations.

• Monitor and evaluate evolving regulatory guidance impacting international payments and digital asset ecosystems, translating requirements into policies, procedures, and internal controls.

• Lead the evaluation of risks and controls as they pertain to systems, assets and applications and create leadership reporting with well thought out analysis. 

• Identify and define regulatory requirements and industry best practices applicable to the program and other relevant areas of responsibility in coordination with legal counsel.

• Identify, draft, implement and oversee policies and procedures designed to ensure compliance.

• Serve as the subject matter expert for Audit Board and document and maintain compliance programs and controls within the Company’s GRC tool. 

• Collaborate with business stakeholders and build and foster strong partnerships to ensure cohesive alignment around Early Warning Compliance objective.

• Collaborate with business stakeholders to assist in the development of policies and procedures and the design and execution on remediation plans as necessary; establish metrics to track and report on remediation activities.

• Monitor and track changes to relevant laws, regulations and industry best practices via Audit Board and assign to Compliance Associate as needed.

• Manage the annual Compliance Risk Assessment (CRA) and partner with the business stakeholders to identify and address compliance risks and document risk assessment and controls and submit the results for the CRA to Operational Risk Management for Validation.

• Provide compliance input and support to internal teams and others, as necessary.

• Lead the third-party quarterly customer audits and assessments.

• Support the company’s commitment to risk management and protecting the integrity and confidentiality of systems and data.

Minimum Qualifications

• Education and experience typically obtained through the completion of a bachelor’s degree.

• Demonstrated experience in a similar compliance role with a proven record of successful development and management of compliance management frameworks within the banking or financial services industry.

• Typically a minimum of 12 or more years of progressive related experience with a strong and broad understanding of compliance laws, regulations and industry standards related to program focus area.

• Strong understanding creating and documenting risk assessments and appropriate controls.

• Experience supporting compliance programs involving payments, multijurisdictional financial services operations, or emerging digital asset frameworks.

• Effective leadership skills with the strong ability to work independently.

• Highly organized, detail-oriented; excellent analytical skills.

• Excellent oral and written communication skills and ability to influence and guide others.

• Strong relationship building skills.

• Background and drug screen.

Preferred Qualifications

The following are preferred qualifications which will be dependent upon the Program focus:

• Familiarity with regulatory frameworks and industry guidance related to digital assets, blockchain technologies, and digital payment systems.

• Experience working with compliance programs that span multiple regulatory jurisdictions or cross-border financial service environments.

• IT or Payments compliance experience.

• CISSP, CISM, CISA, CIPT, CIPM, CRISC or other relevant certification desired

• Experience developing frameworks and processes to drive a risk-based approach, incorporating relevant regulations such as Reg E, COBIT, FFIEC, GLBA, FCRA, UDAAP and other consumer related regulations into an enterprise compliance management process.

• Experience with policy and control development as it relates to meeting compliance requirements from relevant regulations.

• Experience managing programs that are responsive to regulations and guidance promulgated by entities such as the CFPB, OCC and FTC; experience interacting with regulators.

• Additional related education and/or experience preferred.

• CCEP or other relevant certification.

Physical Requirements

Working conditions consist of a normal office environment. Work is primarily sedentary and requires extensive use of a computer and involves sitting for periods of approximately four hours. Work may require occasional standing, walking, kneeling and reaching. Must be able to lift 10 pounds occasionally and/or negligible amount of force frequently. Requires visual acuity and dexterity to view, prepare, and manipulate documents and office equipment including personal computers. Requires the ability to communicate with internal and/or external customers.

Employee must be able to perform essential functions and physical requirements of position with or without reasonable accommodation.

The above job description is not intended to be an all-inclusive list of duties and standards of the position. Incumbents will follow instructions and perform other related duties as assigned by their supervisor.

The base pay scale for this position in:
Phoenix, AZ in USD per year is: $129,000 - $161,000.

New York, NY / San Francisco, CA in USD per year is: $154,000 - $193,000.
Additionally, candidates are eligible for a discretionary incentive plan and benefits.

This pay scale is subject to change and is not necessarily reflective of actual compensation that may be earned, nor a promise of any specific pay for any specific candidate, which is always dependent on legitimate factors considered at the time of job offer. Early Warning Services takes into consideration a variety of factors when determining a competitive salary offer, including, but not limited to, the job scope, market rates and geographic location of a position, candidate’s education, experience, training, and specialized skills or certification(s) in relation to the job requirements and compared with internal equity (peers). The business actively supports and reviews wage equity to ensure that pay decisions are not based on gender, race, national origin, or any other protected classes.

Some of the Ways We Prioritize Your Health and Happiness 

• Healthcare Coverage – Competitive medical (PPO/HDHP), dental, and vision plans as well as company contributions to your Health Savings Account (HSA) or pre-tax savings through flexible spending accounts (FSA) for commuting, health & dependent care expenses.

• 401(k) Retirement Plan – Featuring a 100% Company Safe Harbor Match on your first 6% deferral immediately upon eligibility.

• Paid Time Off – Flexible Time Off for Exempt (salaried) employees, as well as generous PTO for Non-Exempt (hourly) employees, plus 11 paid company holidays and a paid volunteer day.

• 12 weeks of Paid Parental Leave

• Maven Family Planning – provides support through your Parenting journey including egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and returning to work.

And SO much more! We continue to enhance our program, so be sure to check our Benefits page here for the latest. Our team can share more during the interview process!

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

Early Warning Services, LLC (“Early Warning”) considers for employment, hires, retains and promotes qualified candidates on the basis of ability, potential, and valid qualifications without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote equal employment opportunity and affirmative action, in accordance with all applicable federal, state, and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our employees.