Compliance Analyst

Employment Type: [Not Specified] Location Type: Remote Salary: $80,000 - $90,000 + equity + benefits

About EarnIn

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

About the Role

We are seeking a detail-oriented and experienced Compliance Analyst to focus on mitigating consumer protection compliance risks and driving adherence to regulatory expectations. In this role, you will apply a data-driven approach to assess and improve business processes, compliance controls, and risk management strategies across deposits, payments, and lending. This is a remote position that offers a unique opportunity to make a meaningful impact in a dynamic, fast-paced environment.

What You'll Do

• Collaborate with product and marketing teams to support compliance efforts by gathering requirements and providing operational insights to ensure adherence to consumer protection regulations in the development and enhancement of deposit, payment, and lending products.
• Assist in evaluating the application of compliance requirements for new and existing products, ensuring alignment with EarnIn’s compliance framework and regulatory expectations through research and documentation.
• Conduct preliminary research and analysis of new regulations and changes to existing regulations, identifying potential impacts on products and processes and recommending updates to maintain compliance.
• Support the development and maintenance of compliance policies, procedures, and controls by performing routine reviews, identifying enhancements, and contributing to process documentation and updates.
• Partner with cross-functional teams to support monitoring and testing of adherence to compliance policies, providing data collection and preliminary analysis to identify improvement opportunities and corrective actions.
• Assist in designing and delivering compliance training materials, tailoring content to specific stakeholder groups under the guidance of senior team members, and promoting awareness of compliance practices.
• Contribute to the execution of compliance risk assessments by compiling data, preparing reports, and tracking findings to ensure risks are accurately documented and communicated.
• Participate in cross-functional projects by providing administrative and analytical support to help ensure compliance objectives are met and project timelines are maintained.
• Monitor and report on the implementation of corrective actions from compliance breakdowns, escalating unresolved issues to senior team members as necessary.
• Provide clear, well-documented guidance to stakeholders, synthesizing complex regulatory information into digestible formats under the supervision of senior compliance team members.
• All other duties as assigned.

What We're Looking For

• 3+ years of experience in compliance, risk management, or a related field in professional services, Fintech, or financial services; relevant certifications (e.g., CRCM, CUCE) are a plus.
• Basic understanding of financial services laws and regulations, payment systems/rails with a strong willingness to learn and apply guidance.
• Familiarity with compliance/regulatory risks, processes, and control frameworks and a developing ability to evaluate the effectiveness of controls.