Democratize Access To Credit
Together we'll dismantle barriers to housing for working families and use data to eliminate the racial wealth gap. The ability to build credit from rental payments has the potential to give over 45 million renters with little to no credit a pathway into the financial system. Those individuals then stand to save over $200,000 in reduced lifetime interest payments, build home equity by qualifying for mortgages, and build wealth by passing job screening requirements. The transformational impact of this cannot be understated.
Risk & Compliance Team
We are building a team of creative, forward thinking, diverse and astute professionals who will leverage their skills and the data, to unlock millions in capital for underserved communities. We believe in shared value creation, where the whole is greater than the sum of its parts. As risk & Compliance professionals we strive to strike a balance between the business objective and prudent risk management.
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The challenge
The Risk & Compliance Specialist will participate in activities to implement all components of the risk management and compliance program including performing tasks to help evaluate, manage and monitor enterprise and operational risk exposure across all business areas. The individual will report to the head of Risk Management, in a second line of defense role which requires excellent communication, interpersonal skills and ability to collaborate with internal teams to help manage enterprise and operational risk. This is a great opportunity to make an impact at a growing startup and help build a robust risk and compliance management program.
What you will help us deliver
- The ideal candidate will assist in the delivery and maintenance of the following:
- Risk Appetite with a focus on compliance risk
- The monitoring, analysis and reporting of existing and emerging Risk exposures
- Risk aggregation and reporting
- Monitoring of compliance Risk and Performance Indicators
- Testing of Internal controls
- Internal audit
- Work cross functionally with other stakeholders and internal teams to provide compliance risk opinions to business activities.
- Support the dispute resolution and customer support teams to respond to external requests for information (including from BBB, Credit Bureaus, CFPB, Fed & state and regulatory agencies)
- Maintain documentation for compliance/audit purposes
- Ensure compliance with applicable regulations and frameworks (e.g., Fair Credit Reporting Act ("FCRA"), SOC 2, ISO, NIST etc.)
- Responsible for conducting periodic reviews of the KYC and AML screening procedures to ensure compliance.
- Support organizational compliance to risk management policies through regular risk exposure monitoring and reporting.
- Supports Risk and Compliance team in the deployment of risk management initiatives to foster a culture of risk awareness.
- Assist in the continued efforts to train and facilitate enterprise wide adherence to policies and procedures
- Assist the head of the risk & Compliance team to manage engagements
- Assist with Business Continuity Management activities as needed including developing and documenting processes and procedures.
- Support efforts to improve processes including automating tasks where possible
- Supports external audit readiness
- Continuously seek out, and incorporate, as appropriate, compliance-related industry best
- practices and learnings.
- Complete and lead other team tasks /projects as assigned.
- Knowledge of FCRA, credit bureaus operations and consumer protection regulations.
- Experience implementing KYC, AML and other compliance initiatives
- Strong analytical skills - must be able to quickly analyze information or data, to identify issues, determine solutions, create reports and advise the business as required.
- Experience supporting key aspects of operational and enterprise risk management
- Knowledge of the 3 lines of defense principle
- Sound written and verbal communication skills to communicate clearly and effectively with business and team members at all levels.
- Ability to adapt - able to work in a dynamic setting and make adjustments when needed.
- Multitask- ability to work on multiple projects simultaneously.
- Project management: must be able to organize and manage time to track and complete all projects.
Basic Qualifications
- Education in a related field (Business, Finance, Accounting)
- Experience building or implementing Compliance risk frameworks
- Experience in compliance risk monitoring or equivalent role.
- Demonstrated ability to use Google Suite and data visualizations tools.
- Familiarity with GRC tools
- Knowledge of FCRA, credit bureaus operations and consumer protection regulations.
- Competitive Salary -for Series B startup $80,000/year
- Restricted Stock Units (RSU)
- 401K Plan
- Full Medical, Dental, Vision Insurance
- Fitness/Gym Stipend
- Commuter Benefits
- Paid Parental Leave
- Remote Work Friendly - While you may be asked to meet in person from time to time, your work setting will be primarily remote and you will be expected to be available during ET business hours (8a-5p). We trust you to manage your work and deliverables as you need to. As long as quality work is being done, you can choose the environment that works for you.
- Flexible PTO Policy
- Mission driven company with strong culture
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.
© Esusu Inc. All rights reserved, Esusu is proud to be an equal opportunity workplace. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, religion, color, gender identity, sexual orientation, age, disability, veteran status, or other applicable legally protected characteristics. We encourage people of different backgrounds, experiences, abilities, and perspectives to apply.