[Remote] Senior Director, Front Office Advice & Guidance at Empower

San Antonio, Texas, United States

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Not SpecifiedCompensation

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

Full TimeJob Type

UnknownVisa

Financial Services, Wealth ManagementIndustries

Requirements

Bachelor’s degree or equivalent experience (advanced degree preferred)
10+ years of compliance experience within broker-dealer and investment advisory environments
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
Proven experience leading compliance programs or advisory functions at a senior level
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
Deep understanding of SEC, FINRA, and DOL regulations and enforcement trends
Strong knowledge of advice delivery, supervision, and client interaction frameworks
Excellent communication and relationship-building skills across business and control teams
Strategic thinking and sound judgment in applying regulatory standards to business initiatives
“Challenger” mindset and strong relationship skills to build durable, collaborative partnerships with business leaders

Responsibilities

Partner with the VP of Compliance, senior leaders, and front-office executives to implement the compliance framework for EPW and EWS
Serve as the primary compliance contact for advice delivery, supervision, and client conduct matters
Provide expert interpretation and guidance on SEC, FINRA, and DOL regulations, including Regulation Best Interest and the Investment Advisers Act of 1940
Advise business leaders on regulatory impacts of major initiatives and recommend risk-based solutions
Define and manage compliance initiatives supporting advice, distribution, and supervision functions
Coordinate across business and control partners to implement new or evolving regulatory requirements
Track open compliance issues to ensure timely resolution and escalation as needed
Communicate emerging risks, trends, and program updates to senior management and key stakeholders
Develop and maintain compliance policies, procedures, and governance frameworks for front-office activities
Represent Compliance on committees and working groups related to client advice, supervision, and service

Skills

Key technologies and capabilities for this role

SEC regulationsFINRA regulationsDOL regulationsRegulation Best InterestInvestment Advisers Actcompliance frameworkrisk managementteam leadershipregulatory interpretationbroker-dealer operationsinvestment advisory

Questions & Answers

Common questions about this position

What experience is required for the Senior Director role?

Candidates need 10+ years of compliance experience within broker-dealer and investment advisory environments, proven experience leading compliance programs or advisory functions at a senior level, and a Bachelor’s degree or equivalent (advanced degree preferred). FINRA Series 7 and 65 (or 7 and 66) plus 9/10 or 24 licenses are required, or the ability to obtain them within corporate timelines, along with FINRA fingerprinting.

What is the work arrangement or location policy for this position?

The company offers a flexible work environment, though specific details on remote work or office requirements are not provided.

What is the company culture like at Empower?

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

What skills make a strong candidate for this role?

Strong candidates will have the 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.

What is the salary or compensation for this position?

This information is not specified in the job description.

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.

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