[Remote] Lead Specialist, Front Office Advice & Guidance at Empower

San Antonio, Texas, United States

Apply Now

Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Financial ServicesIndustries

Requirements

Bachelor’s degree or equivalent experience
7+ years of financial services experience, including 3+ years in advice, supervision, or compliance oversight
FINRA Series 7 and 65 (or 7 and 66) plus 9/10 or 24 required, or ability to obtain within corporate timelines; FINRA fingerprinting required
Strong understanding of advice delivery, suitability, and best-interest obligations under SEC, FINRA, and DOL regulations
Proven ability to interpret and draft policies and apply regulatory guidance to business practices
Excellent analytical, investigative, and written communication skills
Ability to manage multiple priorities and make sound, independent, risk-based decisions
Strong collaboration and relationship-building skills across business and control functions
Ability to learn and develop a deep understanding of the business; build strong relationships through regular communication and active participation in committees and projects; and objectively assess inherent regulatory risks, including developing a comprehensive understanding of the control environment, accurately identifying weaknesses, measuring control effectiveness, and partnering with the business to advocate for and drive effective remediation

Responsibilities

Provide advice and regulatory interpretation to front-office teams on complex advice and supervision matters
Act as an escalation point for issues related to advice delivery, investment recommendations, and oversight
Design and enhance programs that promote advice quality, suitability, and best-interest compliance across broker-dealer and advisory channels
Develop and deliver training and communications on advice standards and regulatory expectations
Collaborate with Compliance, Supervision, Legal, Operations, and business leadership to align advice delivery with Empower’s compliance framework
Research evolving SEC, FINRA, DOL, and state requirements; recommend updates to policies and processes
Prepare reports and presentations for leadership on advice oversight trends and program effectiveness
Represent Advice and Guidance on committees and workgroups focused on policy, risk, and regulatory change
Mentor peers and provide technical and procedural support to promote consistency in advice oversight
Support responses to internal audits, regulatory exams, and special projects to improve advice infrastructure and technology

Skills

Key technologies and capabilities for this role

SEC regulationsFINRA regulationsDOL regulationscompliancesupervisioninvestment recommendationspolicy developmenttraining deliveryregulatory researchbroker-dealeradvisory channelssuitability compliancebest-interest standards

Questions & Answers

Common questions about this position

What experience is required for the Lead Specialist role?

A Bachelor’s degree or equivalent experience is required, along with 7+ years of financial services experience, including 3+ years in advice, supervision, or compliance oversight.

What is the work arrangement or location policy?

The company offers a flexible work environment.

What is the company culture like at Empower?

Empower emphasizes purpose, well-being, work-life balance, internal mobility, and creating a welcoming and inclusive environment, with associates dedicating time to volunteering.

What salary or compensation is offered for this position?

This information is not specified in the job description.

What skills make a strong candidate for this role?

Strong candidates should have the ability to learn and develop a deep understanding of the business, build strong relationships through communication and participation in committees, and objectively assess regulatory risks by identifying weaknesses and measuring control effectiveness.

Empower

Personal finance management and credit building

About Empower

Empower.me provides personal finance management and credit building services through a subscription model. Users can sign up for a 14-day free trial, after which they pay $8 per month for access to various financial tools. These tools include customizable payment plans, budgeting features, and credit score monitoring. A key aspect of Empower.me is its focus on helping users build credit by reporting their payments to credit bureaus, which can enhance their credit history if payments are made on time. Additionally, Empower.me offers a Thrive line of credit, which involves a soft inquiry on the user's credit report, ensuring that their credit score remains unaffected during the application process. Unlike many competitors, Empower.me specifically targets individuals with no minimum credit score, aiming to improve their financial health and savings.

San Francisco, CaliforniaHeadquarters

2016Year Founded

$96.8MTotal Funding

LATE_VCCompany Stage

Fintech, Financial ServicesIndustries

51-200Employees

Benefits

Generous equity package

Full healthcare benefits

Unlimited PTO

Technology expense reimbursement

Work from anywhere

Risks

Increased competition from fintech companies like Chime and Varo could impact market share.

Integration challenges from acquisitions may disrupt operations and delay strategic goals.

Regulatory scrutiny on credit services could increase compliance requirements and costs.

Differentiation

Empower offers a unique subscription-based model for financial management tools.

The company focuses on credit building by reporting payments to credit bureaus.

Empower's Thrive line of credit involves a soft inquiry, not affecting credit scores.

Upsides

Acquisition of Petal and Cashalo expands Empower's product offerings and customer base.

Increased demand for financial literacy tools among millennials and Gen Z benefits Empower.

Growing interest in alternative credit scoring aligns with Empower's mission for underserved consumers.

Land your dream remote job 3x faster with AI

Try Jobo Free