Stash is pioneering the future of personal finance with the first financial subscription that helps people invest and build wealth. From saving for retirement to budgeting, Stash unites banking, investing, and advice all in one app that has helped more than 5M people reach their financial goals and make progress towards financial freedom.

We are looking for an SME on the various Fed regulation and money movement network rules to own the compliance function around the policies, procedures, and testing of current and future money movement products. 

This individual will be the compliance contact for providing regulatory input to the Product team as they develop new products and work with Fraud and/or AML, as needed, to ensure compliance with regulations.

What you'll do:

• Partner with Operations, Product, and Fraud to ensure accurate execution, reconciliation, and governance of payment activity including the resolution of issues and incidents.  
• Provide input and advice as a subject matter expert across several topics including: General Banking/Payments including EFTA, NACHA Operating rules and Debit/Credit Card processing
• Ensure that all money movement processes and procedures are compliant with various laws and regulations including EFTA, SEC/FINRA regulations, NACHA rules, and other payment system rules.  Ensure that the these processes and procedures are well documented  and implemented across the organization
• Work cross-functionally across Stash to provide expertise for new products and customer-centric solutions by developing procedures, working with various projects team, and assisting with building systems and controls to meet regulatory requirements
• Ensure ongoing money movement process function in compliance with all applicable laws and regulations

What we're looking for:

• Candidates should have an impressive record of achievement and a minimum of 8 years of relevant work experience that includes compliance exposure to consumer banking or payments processing
• Subject matter expertise with respect to the laws (e.g., EFTA, etc.), regulations, and private contractual and network associational agreements (e.g., NACHA operating rules, card network and association rules, etc.) that form US payment systems’ legal framework
• Deep understanding of how claims pass among financial intermediaries in a payment system, how they are satisfied, and if, when and how claims can be reversed
• The ability to be open to change in response to new information and craft customer-centric responses in ambiguous situations
• Willingness to learn various broker-dealer and investment advisor laws, rules, and regulations 
• Experience with querying in SQL, Looker, or other database tool
• CTP, AAP or CFE designation preferred