Compliance & Risk Officer

| Greater NYC Area
ABOUT QUADPAY
At QuadPay, we’re here to simplify, streamline and automate how you pay and save every day by offering fast, fair and seamless payment solutions online and in-store. As a business, we strive to be unlike others in the industry as we continue to help businesses grow by offering a best in class product, driven by the most innovative teams in the industry. 
Recent global changes and advancements have meant relentless product innovation, in the goal to be the next generation of payments.
We’re people, just like you who think purchasing shouldn’t be so inflexible!
We are currently in hyper-growth phase and as such are looking to grow teams in almost every department in the company - come change the industry with us, and love coming to work every day.
We’ve built an amazing culture at QuadPay and in a short space of time (since 2017), our teams are proud to work hard to provide innovative solutions to our valued customers and partners. Our values are in everything we do, and are as diverse and as inclusive as our global workforce. These include but are not limited to: Customer First, Own It, Raise the Bar, Stronger Together and Change the Game!
QuadPay is part of Zip Co (ASX:Z1P).
The Compliance Officer will be responsible to implement, plan, coordinate and oversee compliance programs primarily covering federal and state consumer lending regulations, as well as personal data privacy requirements in the United States, along with overseeing similar regulatory requirements outside of the United States, that are applicable to all of QuadPay’s operations.

What You'll Do:

  • Overall responsibility to evaluate Quadpay’s services and operations for compliance issues and design and implement a national/international compliance program
  • Ensure compliance with FTC/CFPB regulations and other applicable consumer protection law regulations for all of Quadpay’s offices and business; assess, identify, monitor, and document regulatory risks; develop compliance controls and provide guidance that balances regulatory requirements, risk mitigation and business objectives
  • Prepare, update, and implement compliance policies and procedures
  • Implement Anti-Money Laundering, Foreign Corrupt Practices Act and Know Your Customer programs as necessary and coordinate with outside firm(s) in conducting AML audits 
  • Prepare and file required regulatory filings in the U.S. and responses to inquiries from U.S. state and federal regulators and oversee prepare and file required regulatory filings outside the U.S. and responses to inquiries from regulators in coordination with General Counsel's office
  • Lead all regulatory audits, including conducting annual internal compliance audits, and meet with regulators on exams and other regulatory matters
  • Develop, administer, and update in collaboration with the People team Quadpay’s regulatory and privacy training programs and create additional policies and procedures to implement applicable internal policy or the requirements of regulations applicable to Quadpay
  • Prepare or assist with group compliance reporting
  • Assist IT in developing cybersecurity and privacy policies and coordinate CCPA, GDPR and other applicable data privacy compliance with the General Counsel, outside counsel, IT and Quadpay’s management team
  • Assess regulatory risk and liaise with regulatory counsel on federal and state lending registration requirements, cross-border regulatory issues
  • Monitor and ensure enforcement of any violations of Quadpay’s regulatory policies
  • Annual Compliance Meeting preparation in the U.S. as mandated by FINRA
  • Manage any regulatory approvals or licenses required for the business, including with respect to opening new offices or entering new markets
  • Review social media usage and public Quadpay communication procedures for compliance with fair lending and advertising rules
  • Oversee the quality and effectiveness of the Compliance Management Program
  • Identify potential areas of compliance vulnerability and risk and coordinates mitigation strategies with business unit owners
  • Coordinate with People team and others as appropriate to develop an effective compliance training program to include appropriate new team member training as well as ongoing consumer compliance training for all team members
  • Oversee the periodic analysis of lending and denial activity to document fair lending risks
  • Consult with product and risk team leaders to identify risks, best practices and expectations pertaining to equal credit, fair credit reporting, fair lending laws, and unfair and deceptive practices
  • Oversee the development and distribution of training materials for necessary employees and job functions, to include fair lending laws and regulations and guidance for mitigating risks of engaging in unfair and deceptive practices
  • Coordinate with lending lines of business to evaluate proposed business changes, including new or modified products/services, new or modified policies, procedures, processes, or systems to ensure compliance with applicable fair lending related laws and regulations
  • Oversee ongoing reviews of consumer complaints, advertisements, loan approval and denial documentation, and all applicable consumer related forms for fair banking risks
  • Act as primary regulatory contact for federal and state consumer compliance exams

You Should Have:

  • 7-10+ years of demonstrated strong consumer compliance program management experience
  • 5+ years of related financial institution or regulatory experience
  • Bachelor’s degree from a four year college required, J.D. or other relevant advanced degree preferred, or equivalent combination of education and experience
  • Must have strong personal computer and communication skills and a demonstrated ability to operate as part of a distributed team (remotely)
  • Certified Regulatory Compliance Manager (CRCM) and/or Certified Information Privacy Professional (CIPP), or other relevant third-party certifications, preferred
  • Analytical Skills - Synthesizes complex or diverse information; collects and researches data; uses intuition and experience to complement data; Designs workflows and procedures
  • Problem Solving Skills - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions
  • Project Management Experience - Develops project plans; Coordinates projects; Communicates changes and progress
  • Technical Skills - Solid knowledge of common office applications such as Microsoft Word and Excel, as well as cloud-based resources such as GoogleDocs/Gmail for business; Pursues training and development opportunities; Strives to continuously build knowledge and skills
  • Willingness to travel as needed for business purposes

Technology is changing the way people interact with the world and we’re bringing that revolution to the way people shop and transact. We allow shoppers to buy anywhere, at anytime - and pay in 4 interest-free, automatic installments over 6 weeks. You get the product right away and QuadPay will pay the merchant upfront. 
We're looking for someone who can join our high-functioning team of passionate support professionals and we value a range of diverse backgrounds, experiences, and ideas. We pride ourselves on diversity and creating an inclusive workplace that provides equal opportunities to all persons regardless of age, race, color, religion, sex, sexual orientation, gender identity and expression, national origin, disability, military and/or veteran status, or any other protected classes.
We're growing very quickly and always looking for talented people to join our team and help transform the way consumers shop and pay!

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • .NETLanguages
    • C#Languages
    • JavascriptLanguages
    • PythonLanguages
    • SqlLanguages
    • SwiftLanguages
    • ReactLibraries
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    • AngularJSFrameworks
    • ASP.NETFrameworks
    • FlaskFrameworks
    • SparkFrameworks
    • TensorFlowFrameworks
    • .NET CoreFrameworks
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    • MongoDBDatabases
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    • SketchDesign
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    • WordpressCMS
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    • MailChimpEmail
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Location

Our office is located in the beautiful Flatiron neighborhood of New York City and is half a block from Madison Square Park!

An Insider's view of QuadPay

What’s the vibe like in the office?

Quadpay is a place where you get to work with incredibly talented and smart people. Collaboration is welcomed and asking questions is encouraged. We care about the product but care even more about creating a fun workplace environment!

Rehema

People Operations Coordinator

How do you collaborate with other teams in the company?

Whenever a merchant flags there is an issue we are quick to diagnose and release a fix. I work closely with our Merchant ops engineering team to track a trend and share the scale of the issue with developers. We then work together on what the quickest fix will be by sharing what the real needs are of the merchant.

Natalie

Account Manager

How has your career grown since starting at the company?

I joined as an early engineer in July 2018. I have worked on all aspects of the platform from merchant integrations, back-end microservices, and front-end applications. I'm now leading a team of engineers as we try to usher in new tools and features for our merchants, improve our customer's online experience, and scale a system to the next level.

Andy

Engineering Manager

How do your team's ideas influence the company's direction?

Our team structure is set up to be cross-functional including designers, engineers, analysts and product managers who are constantly listening and talking to our customers to be inspired by what they say and how they behave. This inclusive, customer centric and data-driven culture drives a lot of our strategic direction and decisions.

Saad

VP, Product

What makes someone successful on your team?

The traits that make someone successful at Quadpay are the same traits that I am looking for when recruiting candidates to our company; I am always looking for driven, passionate, collaborative people, who come to work every day with our future state in mind. We love working together to get there.

Becca

Senior Recruiter

What are QuadPay Perks + Benefits

QuadPay Benefits Overview

Company benefits include:
- 100% company paid Health Insurance (Medical, Dental & Vision)
- Company-sponsored 401k plan
- Employee stock options/equity offering
- Generous PTO policy
- Commuter benefits program
- Discounted gym membership
- Bi-annual company retreats (#sQUADdays)
-Great office location, Flatiron District!

Culture
Friends outside of work
Eat lunch together
Intracompany committees
Daily stand up
Open door policy
Group brainstorming sessions
Open office floor plan
Diversity
Mean gender pay gap below 10%
Health Insurance & Wellness Benefits
Dental Benefits
Vision Benefits
Health Insurance Benefits
Wellness Programs
Retirement & Stock Options Benefits
401(K)
Company Equity
Child Care & Parental Leave Benefits
Flexible Work Schedule
Vacation & Time Off Benefits
Generous PTO
Paid Holidays
Paid Sick Days
Perks & Discounts
Casual Dress
Commuter Benefits
Company Outings
Stocked Kitchen
Happy Hours
Fitness Subsidies
Professional Development Benefits
Job Training & Conferences
Lunch and learns
Promote from within
Paid industry certifications

Additional Perks + Benefits

QuadPay is committed to building a diverse, equitable and inclusive workforce. We are an equal opportunity employer and welcome qualified applicants, regardless of gender identity or expression, sexual orientation, race, religion, age, national origin, citizenship, pregnancy status, veteran status, or any other differences. If you have a disability or special need that requires accommodation, please let us know. Members of communities historically underrepresented in tech are encouraged to apply.

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