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Compliance Officer

Fundbox - New York, NY, United States - Hybrid

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Fundbox is a fintech company providing fast, intuitive working capital solutions to small businesses through embedded technology and deep software partnerships. We are seeking an experienced Compliance Officer to lead our compliance advisory and regulatory change function. In this senior individual contributor role reporting to the Head of Compliance, you will translate regulatory requirements into actionable guidance for Product, Business Development, Marketing, and other teams. You'll maintain current policies and controls as regulatory landscapes and company needs evolve, with real decision-making authority. Key responsibilities include: • Serve as compliance partner to Product, Business Development, Marketing, Credit, RevOps, Collections, and Customer Support throughout the customer and product lifecycle • Own compliance review of new products and programs, including input on business requirements, disclosure design, customer journeys, fee presentation, and servicing flows • Translate regulatory requirements into concrete, buildable product guardrails and acceptance criteria for engineers and product managers • Manage the marketing and materials review program, including queue design, service levels, and consistency across reviewers • Assemble, submit, and drive internal, executive, and bank partner product approval packages • Own regulatory change management: horizon scanning, applicability assessment, impact analysis, and translation into policy and procedure with named owners and dates • Track internal changes (product roadmap, new markets, system implementations, vendor changes, org redesigns) with the same discipline as regulatory change • Build mechanisms to make change visible to Compliance before deployment • Determine downstream implications of changes across policies, procedures, disclosures, training, controls, testing, risk assessments, and partner commitments • Own vendor and third-party due diligence within compliance scope and serve as key leader on Fundbox's Vendor Management Team You will be based in our Chelsea office in New York on a hybrid schedule, working closely with product teams while remaining in sync with Compliance colleagues in other locations. Fundbox was recently certified as a Great Place to Work with a 94% employee satisfaction rate. REQUIREMENTS: • 7+ years in compliance within financial services, with experience and expertise in small business lending as a key part of your resume • Product compliance, fintech, and bank partnership experience strongly preferred • Demonstrated experience advising product, engineering, marketing, and business development teams during development, pre- and post-launch, and via ongoing oversight • Hands-on ownership (full or partial) of: marketing/materials review, policy governance, regulatory change management, third-party risk, and complaint management • Working knowledge of lending and payments regulatory requirements, including UDAP/UDAAP, ECOA/Reg B, FCRA, TCPA, CAN-SPAM, and applicable state requirements • Familiarity with small business lending and state commercial financing disclosure laws (significant plus) • Experience preparing or supporting bank partner approval submissions, oversight reviews, or exam responses • Strong writing ability: can translate dense regulatory requirements into actionable one-paragraph summaries for product managers and formal memos for examiners • Sound judgment and independence across competing priorities • "Do it all" mentality with comfort using AI tools as an accelerator • CRCM, CAMS, or similar certification is a plus, not required • International exposure (Australia, Canada, UK) is a plus • Consumer lending experience is a plus • Must be currently authorized to work in the United States on a full-time basis without employer sponsorship

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