Associate, Regulatory Compliance (Credit Card)

About the Company

Gemini is a global crypto and Web3 platform founded by Tyler Winklevoss and Cameron Winklevoss in 2014. Gemini offers a wide range of crypto products and services for individuals and institutions in over 70 countries.

Crypto is about giving you greater choice, independence, and opportunity. We are here to help you on your journey. We build crypto products that are simple, elegant, and secure. Whether you are an individual or an institution, we help you buy, sell, and store your bitcoin and cryptocurrency. 

At Gemini, our mission is to unlock the next era of financial, creative, and personal freedom.

The Department: Compliance

Compliance at Gemini is a team dedicated to managing the next generation of financial and regulatory compliance in a complex and evolving regulatory environment. We are a diverse group of technology, legal, and operational professionals who develop new approaches to solving classic problems using cutting edge tools and processes.

The Role: Associate, Regulatory Compliance (Credit Card)

This role will directly support the compliance program for the Gemini Credit Card product. The Gemini Credit Card is a unique, consumer credit card that offers up to 4% back in the cryptocurrency of the customer’s choice. By bridging the gap between crypto and a traditional financial product, Gemini is paving the way for the future of consumer crypto products.

As a Regulatory Compliance Associate for the Gemini Credit Card product, this individual is a compliance subject matter expert across various consumer finance regulations. An Associate is expected to provide support for senior Compliance team members and key compliance initiatives. An Associate will also represent the Compliance team with other members of Gemini and respond to inquiries from Gemini’s bank partner, regulators, and other external parties. The Compliance Associate will have a strong resourceful aptitude for organization, applying rules and regulations in real-time scenarios as well as collaboration with inter-departmental business unit owners, and fostering a culture of compliance throughout the organization. This role will report to the Compliance Manager for the Gemini Credit Card.

Responsibilities:

• Take a supporting role in identifying, mapping out, documenting, and rating controls and risks as part of our Risk Assessment program
• Take ownership of complaint management including track, analyze, and address customer complaints related to the Gemini Credit Card, ensuring timely resolution and compliance with regulatory expectations
• Respond to audit, partner bank, and regulatory requests
• Identify compliance gaps or issues and work cross-functionally to implement corrective actions
• Review escalations from key compliance processes based on defined risk thresholds
• Support day-to-day compliance operations for the credit card product line
• Assist in maintaining policies and procedures to ensure compliance with relevant regulations, including those related to credit card operations
• Work with legal, risk, and operations teams to ensure a well-integrated approach to regulatory compliance
• Lead reporting to oversight and governance committees on the state of compliance risk and prepare reporting materials
• Investigate and escalate potentially alerts and suspicious transactions in accordance with AML and fraud prevention policies
• Support senior members of the Compliance team as needed

Qualifications:

• A combination of education and work experience, including:
  • Bachelor's degree
  • Preferred CRCM or similar certifications
  • 2-4 years of compliance experience in credit, banking, fintech, or other financial regulatory compliance industry with a focus on credit card regulatory compliance
• Possess understanding of credit and banking laws and regulations including BSA/AML, UDAAP, ECOA, MLA/SCRA, FCRA, GLBA, and associated regulations
• Ability to identify potential compliance issues and work effectively to remediate them
• Demonstrate a track record of supporting key compliance initiatives

• Competitive starting salary
• A 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

Salary Range: The base salary range for this role is between $75,000 - $104,000 in the State of New York, the State of California and the State of Washington. This range is not inclusive of our discretionary bonus or equity package. When determining a candidate’s compensation, we consider a number of factors including skillset, experience, job scope, and current market data.

In the United States, we have a flexible hybrid work policy for employees who live within 30 miles of our office headquartered in New York City and our office in Seattle. Employees within the New York and Seattle metropolitan areas are expected to work from the designated office twice a week, unless there is a job-specific requirement to be in the office every workday. Employees outside of these areas are considered part of our remote-first workforce. We believe our hybrid approach for those near our NYC and Seattle offices increases productivity through more in-person collaboration where possible.

At Gemini, we strive to build diverse teams that reflect the people we want to empower through our products, and we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. Equal Opportunity is the Law, and Gemini is proud to be an equal opportunity workplace. If you have a specific need that requires accommodation, please let a member of the People Team know.

#LI-ST1