Senior Compliance Specialist - Financial Services (Broker-Dealer Cash Program)

We are seeking a seasoned compliance professional to lead monitoring and testing for our broker-dealer's Cash program, which includes banking-like features such as deposits, money movement, and fraud controls. This role is critical to ensuring regulatory alignment across operations that intersect with consumer protection laws and payment systems.

The ideal candidate will hold an active CRCM certification and demonstrate deep expertise in Regulation E, Regulation CC, NACHA rules, and FINRA oversight. You will design and execute compliance testing frameworks, conduct regulatory due diligence, and validate control effectiveness across complex operational workflows.

If you thrive in a fast-paced, precision-driven environment and are passionate about protecting investors while enabling innovation, we invite you to shape our compliance strategy and elevate our client experience.

Responsibilities

• Conducts routine and targeted compliance monitoring and testing across financial services operations, with a focus on cash products and money movement. Applies knowledge of relevant regulations (e.g., Regulation E, Regulation CC, NACHA) to assess control effectiveness and identify gaps.
• Leads investigations of potential violations of Vanguard's ethical standards and noncompliance with applicable laws, regulations, and internal policies. Collaborates with internal stakeholders to ensure timely resolution and documentation.
• Prepares clear and actionable inspection and assessment reports, including root cause analysis and recommendations for remediation. Communicates findings to business partners and senior compliance leadership.
• Provides compliance guidance and advisory support to business units, helping to mitigate risk and strengthen control environments. Advises on regulatory implications of new products and operational changes.
• Oversees the design, implementation, and maintenance of compliance policies and procedures, ensuring alignment with evolving regulatory expectations and industry best practices.
• Identifies and implements corrective action plans for areas of noncompliance or control weakness. Recommends proactive measures to reduce future risk exposure.
• Manages operational efficiency of compliance testing programs, including setting measurable goals, tracking performance, and leveraging internal and external resources to optimize outcomes.
• Follows approved monitoring and testing procedures, ensuring consistency, accuracy, and documentation of results. Escalates issues as appropriate and tracks corrective actions to closure.
• Maintains deep knowledge of the investment and financial services industry, with a focus on broker-dealer operations and banking-like features. Monitors regulatory developments and market trends to inform compliance strategy.
• Serves as a subject matter expert and liaison to regulatory agencies, internal audit, and risk partners. Supports regulatory exams and inquiries with timely and thorough responses.
• Participates in special projects and enterprise initiatives, contributing compliance expertise to cross-functional efforts and strategic priorities.

Qualifications

• Minimum 5 years of compliance experience in financial services, with at least 2 years in broker-dealer or banking-like operations.
• Proven experience with cash products and related regulations (Reg E, Reg CC, NACHA).
• CRCM certification required; FINRA Series 7 and 24 strongly preferred.
• Strong analytical, writing, and stakeholder engagement skills.
• Experience designing and executing compliance testing frameworks.

Special Factors

Sponsorship
Vanguard is not offering visa sponsorship for this position.

About Vanguard

At Vanguard, we don't just have a mission-we're on a mission.

To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best.

How We Work

Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.

Client-provided location(s): Scottsdale, AZ, Charlotte, NC, Malvern, PA

Job ID: Vanguard-169152

Employment Type: FULL_TIME

Posted: 2025-08-13T20:15:08