Compliance Officer, Program Enablement

About the Role

We are seeking a Compliance Officer, Program Enablement to join our Compliance team and serve as a dedicated compliance lead for one or more of our issuing bank partners and their associated programs. This individual will act as the primary consumer compliance point of contact for assigned banks, ensuring that the banks’ regulatory expectations, contractual requirements, and oversight obligations are embedded into operational processes, Marqeta’s broader CMS, and effectively managed across the programs’ lifecycle.

This is a highly collaborative and cross-functional role that requires a blend of consumer compliance expertise, regulatory interpretation/operationalization, and relationship management acumen. You’ll be the subject matter expert on your assigned bank(s), responsible for operationalizing their requirements while helping programs meet their obligations in a scalable, risk-based, and business-aligned way.

We work Flexibe First. This role can be performed remotely anywhere within the United States or from our Oakland Headquarters. We’d love for you to join us!

The Impact You’ll Have

• Serve as the compliance lead and point of contact for one or more issuing banks, building subject matter expertise on their regulatory expectations, contractual obligations, risk tolerance, and oversight practices
• Manage the day-to-day compliance relationship with bank partner counterparts, including participating in regular check-ins, preparing responses to bank inquiries, and coordinating audit and exam readiness
• Act as the DRI to internal stakeholders and assigned programs to interpret, operationalize, and monitor compliance with bank-specific and regulatory requirements
• Partner cross-functionally with Legal, Risk, Product, Customer Support, Bank Partnerships, and GTM teams to ensure new program product launches, marketing campaigns, and operations align with bank expectations and consumer compliance requirements
• Act as a strategic advisor on compliance issues, audit findings, and regulatory developments that impact assigned banks and programs
• Collaborate with Legal, Compliance, Customer Support, and other relevant stakeholders to ensure timely and effective issue remediation, including root cause analysis and implementation of sustainable controls
• Support the onboarding and ongoing management and oversight of programs with assigned banks (e.g., supporting due diligence reviews, periodic site visits, advising on appropriate risk mitigation measures and controls, etc)
• Help develop and refine internal policies, procedures, controls, and playbooks to ensure consistent application of regulatory and partner bank requirements across programs

Who You Are

• 5-7+ years of experience in a compliance role within a financial institution, fintech, payments company, or bank-focused consulting firm
• Strong knowledge of consumer compliance regulations, including Reg E, Reg Z, UDAAP, Reg DD, BSA/AML, and others
• Experience supporting or working directly with sponsor banks, BaaS platforms, and/or payments companies
• Demonstrated ability to manage complex stakeholder relationships and operate effectively in a cross-functional, fast-paced environment
• Strong project management and communication skills, with the ability to translate regulatory obligations into practical operational requirements
• Experience operationalizing and monitoring compliance programs, with a keen eye for risk and control design
• Comfort interpreting contractual language, policies, and guidance from regulators and bank partners
• Demonstrated understanding of regulatory expectations in financial services, fintech, or payments, including OCC, FDIC, FRB, and partner bank oversight models

Nice-To-Haves

• Certifications such as CRCM, CAMS, GRCP, or other relevant education
• Experience with program management or customer due diligence for fintech or payments programs
• Exposure to regulatory exams or audit readiness for BaaS models
• Prior experience managing partner bank relationships and oversight