Manager, Compliance; Banking & Lending

Manager, Compliance (Banking & Lending)

New York, New York;
Miami, Florida;
Remote (USA)

Gemini is a global crypto and Web3 platform founded by Cameron and Tyler Winklevoss in 2014, offering a wide range of simple, reliable, and secure crypto products and services to individuals and institutions in over 70 countries. Our mission is to unlock the next era of financial, creative, and personal freedom by providing trusted access to the decentralized future. We envision a world where crypto reshapes the global financial system, internet, and money to create greater choice, independence, and opportunity for all — bridging traditional finance with the emerging cryptoeconomy in a way that is more open, fair, and secure.

As a publicly traded company, Gemini is poised to accelerate this vision with greater scale, reach, and impact.

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

The Role:

Manager, Compliance (Banking & Lending)

In this role, you will serve as a subject matter expert across consumer financial protection laws and regulations, issue management and remediation, regulatory testing, and complaint management. You will play a leading role in operating and enhancing Gemini's Compliance Management System (CMS) to support products that put customers first while meeting applicable regulatory requirements and partner-bank expectations. You will work with the Head of Compliance in managing a multitude of processes, including issue management & resolution, testing, complaint management, product compliance, and governance.

You'll advise business partners and oversee compliance for the Gemini Credit Card, Gemini Business Credit Card, and future products in banking and lending.

The ideal candidate has deep experience in consumer financial compliance at a credit card company, Fin Tech or financial services company. A strong understanding of consumer financial protection laws and their implementing regulations laws such as ECOA, TILA, UDAAP, FCRA, along with their accompanying regulations, is required. The Compliance Manager has a strong aptitude for organization, applying laws, regulations, and guidance to real-world product and operational scenarios as well as collaborating with cross-functional business owners, and fostering a culture of compliance throughout the organization.

Responsibilities:

• Supervise, coach, and develop junior compliance team members supporting product compliance, complaint management, testing, governance, and related CMS activities.
• Act as a primary compliance contact and liaison among Gemini department heads, senior management, and partner-bank stakeholders.
• Drive the development, execution, and validation of remediation and testing plans for compliance issues, audit findings, examination findings, and control gaps, including root-cause analysis, corrective action plans, process updates, documentation, and training.
• Review and advise on marketing materials, customer communications, disclosures, promotions, and related campaigns to assess compliance with applicable laws, regulations, partner-bank requirements, and internal policies.
• Lead the design and implementation of compliance risk assessment frameworks that provide independent, risk-based evaluations of regulatory compliance risks and control effectiveness.
• Provide timely, practical, and risk-based compliance guidance to product, operations, and business teams on applicable laws, regulations, policies, and controls.
• Partner with Legal, Compliance, product, and business stakeholders to assess emerging regulations, product developments, and business objectives, ensuring coordinated and transparent support across departments.
• Draft and coordinate responses to customer and regulatory complaints, including complaints received through the CFPB, FDIC, partner banks, or other applicable channels.
• Lead or support responses to audits, partner-bank reviews,…