Head of Consumer and Lending Compliance
"What You'll Be Doing"
About This Role
Gemini is seeking a Head of Consumer and Lending Compliance to lead the compliance program for its deposit and lending products, including its crypto rewards credit card and business credit card. This person will develop a comprehensive strategy to scale the program and support the business in delivering product features that are both compliant and consumer-friendly. The ideal candidate will bring deep knowledge of consumer finance regulations, a solutions-oriented approach, and experience operating in a fast-moving environment. Strong communication skills are essential, as this role requires regular interaction with product, technology, legal, and risk teams, as well as banking partners and regulators. The position reports directly to Gemini's Global Chief Compliance Officer and has a direct line of communication to the Board.
What You'll Be Doing
Overseeing the consumer compliance program in line with applicable laws and regulations (e.g., UDAAP, ECOA, FCRA, TILA)
Acting as primary advisor to the credit card business and other banking and lending products, guiding new product development, product changes, and marketing initiatives
Managing a team of compliance professionals handling monitoring and testing, complaint management, third-party oversight, issue management, compliance reporting, and customer communications
Providing regular reporting to the Board of Managers and other governance committees
Serving as the primary liaison between Gemini and its sponsor bank partner
Responding to internal and external audits, examinations, and regulatory inquiries related to credit card operations
Overseeing risk assessments for consumer banking products, identifying risk areas and working cross-functionally to manage them
Serving as the Fair Lending Officer overseeing the company's fair lending program
Ensuring proper oversight of vendors and third parties that present compliance or regulatory risk
Overseeing remediation plans for high-priority issues to ensure timely resolution
Staying current on regulatory changes, industry best practices, and developments to ensure compliant and forward-thinking implementation
Providing timely, accurate advice and guidance to Gemini staff on compliance policy issues within the Compliance Department's scope
What We're Looking For
Bachelor's degree; CRCM or Juris Doctor preferred
10+ years of compliance experience in credit, banking, fintech, or other financial regulatory compliance fields, including at least 4+ years overseeing a consumer compliance program
Experience supporting a fast-scaling business
Deep knowledge and practical application of lending and banking laws and regulations, including UDAAP, TILA, TISA, ECOA, FCRA, EFTA, MLA, SCRA, GLBA, and CAN-SPAM
A proven track record of providing oversight and strategic vision for an entire Compliance Management System (CMS)
Why Join Us
Competitive starting pay
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
USD 150,500 - 215,000 per year
Ready to Apply?
To submit your application for this position, please visit GEMINI EXCHANGE, LLC (GEMINI TRUST COMPANY, LLC)'s official website and follow their application process.