Head of Consumer and Lending Compliance

As Head of Consumer and Lending Compliance at Gemini, you lead the compliance program for our deposit and lending products, including crypto rewards credit cards and business credit cards. You develop a comprehensive strategy to scale the program and support the business in delivering product features in a compliant and consumer-friendly way. Reporting directly to Gemini's Global Chief Compliance Officer with a direct line to the Board, you work across product, technology, legal, risk, banking partners, and regulators.

What you'll do

• Oversee the consumer compliance program in accordance with applicable laws and regulations including UDAAP, ECOA, FCRA, TILA, TISA, EFTA, MLA, SCRA, GLBA, and CAN-SPAM
• Serve as the primary advisor to the credit card business and other banking and lending products, providing guidance on new product development, product changes, and marketing initiatives
• Manage a team of compliance professionals responsible for monitoring and testing, complaint management, third party oversight, issue management, compliance reporting, and customer-facing communications
• Provide regular reporting to the Board of Managers and other governance committees
• Serve as the primary liaison between Gemini and its sponsor bank partner
• Respond to internal and external audits, examinations, and regulatory inquiries related to credit card operations
• Oversee risk assessments for consumer banking products, identifying potential areas of risk and working cross-functionally to manage such risks
• Serve as the Fair Lending Officer overseeing the company's fair lending program
• Ensure proper oversight of vendors and other third parties that present potential compliance or regulatory risk
• Oversee remediation plans for high priority issues to ensure timely remediation of any compliance-related issues
• Stay current on regulatory changes, industry best practices, and developments to ensure implementation is both compliant and forward thinking
• Provide timely and accurate advice and guidance to Gemini's staff on compliance policy matters and subject areas within the Compliance Department's responsibility

What you bring

• Bachelor's degree (CRCM or Juris Doctor preferred)
• 10+ years of compliance experience in credit, banking, fintech, or other financial regulatory compliance, with at least 4+ years overseeing a consumer compliance program
• Experience supporting a fast-scaling business
• Deep knowledge and real world application of lending and banking laws and regulations including UDAAP, TILA, TISA, ECOA, FCRA, EFTA, MLA, SCRA, GLBA, and CAN-SPAM
• Proven track record providing oversight and strategic vision for a complete Compliance Management System (CMS)

What we offer

• Base salary between $150,500 and $215,000 in New York (depending on skillset, experience, job scope, and market data)
• Discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401k with company matching
• Paid parental leave
• Flexible time off
• Hybrid work at hub offices with remote flexibility (specific policy varies by location and role); all employees required to onboard in-person at an office location

About Gemini

Gemini is a global crypto and Web3 platform founded in 2014 that offers crypto products and services to individuals and institutions in over 70 countries. As a publicly traded company, Gemini bridges traditional finance with the emerging cryptoeconomy to create greater choice, independence, and opportunity for all.