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Bakkt is a regulated fintech company (NYSE: BKKT) building a financial operating system for the AI and token economy. The company operates regulated infrastructure for trading, stablecoin settlement, cross-border payments, and serves financial institutions, fintechs, and consumer brands.
As Director of Consumer & Regulatory Compliance, you will report directly to the Chief Compliance Officer and lead the Second Line of Defense (2LoD) to build, oversee, and scale the compliance framework for Bakkt's neobanking-as-a-service rollout. This is a high-impact, cross-functional role requiring deep expertise in US consumer protection regulations, partner bank relationships, and a forward-looking mindset to scale fintech and digital asset ecosystems.
Key Responsibilities:
Neobanking-as-a-Service Compliance: Own the compliance strategy and execution for the rollout of neobanking-as-a-service initiatives. Manage compliance policies and oversight for US consumer regulations, including UDAAP, Regulation E, and Regulation Z. Conduct comprehensive compliance reviews and approvals of marketing collateral, advertising, and user-facing communications.
Partner Bank & Ecosystem Governance: Serve as the primary compliance interface and manage robust partner bank governance frameworks and relationship management. Monitor and evaluate First Line of Defense operations (onboarding, customer service, fraud operations) to identify gaps, conduct risk assessments, and advise on process improvements. Independently test 1LoD processes, including KYC onboarding, fraud alert clearing, and Reg E compliance.
Fraud & Payments Risk Management: Manage and mitigate risks associated with multiple payment rails (ACH, Wires, Cards), monitoring return rates, chargebacks, and ensuring strict adherence to NACHA and card network rules. Provide 2LoD oversight of fraud prevention strategies, addressing Account Takeover (ATO), synthetic identity fraud, and transactional fraud. Lead periodic enterprise, operational, and product risk assessments, defining risk tolerances, key risk indicators (KRIs), and mitigation plans.
Global Strategy & Brokerage Support: Partner closely with Financial Crimes Compliance, Licensing, and Brokerage teams to align regulatory approaches across digital assets and traditional fiat services. Support assessment of European consumer banking compliance requirements and design pathways to align with MiCA Conduct of Business and Investor Protection rules.
Requirements:
- 5+ years of compliance or legal experience within a fintech, challenger bank, or sponsor-bank program
- Strong operational knowledge of US consumer banking regulations (UDAAP, Reg E, Reg Z)
- Deep understanding of payment operations, network rules (NACHA, Visa/Mastercard), and modern fraud typologies with mitigation tools
- Proven experience conducting operational and enterprise risk assessments within a complex fintech or digital assets environment
- Proven experience establishing or managing governance programs with partner/sponsor banks
- Practical experience operating within a formalized Three Lines of Defense risk management framework
- Superb communication skills and ability to partner effectively with product, engineering, marketing, and operations teams
Preferred:
- Knowledge of digital assets compliance, brokerage environments, or European regulations (MiCA, GDPR)
