Head of Consumer and Lending Compliance

About the Company

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.

span 400; The Department: Compliance

Compliance at Gemini is a team 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, and operational professionals who develop new approaches to solving classic problems using cutting edge tools and processes.

span 400; The Role: Head of Consumer and Lending Compliance

In this role, strong you will lead the compliance program for Gemini’s deposit and lending products, including the first-in-class crypto rewards credit card and business credit card. You will be responsible for creating a comprehensive strategy to scale the program and support the business in delivering product features in a compliant and consumer-friendly way. The ideal candidate will have a deep knowledge of consumer finance regulations, be solutions-oriented, and have experience operating in a fast-moving environment. Superior communication skills are essential, as this individual will be required to communicate effectively with various stakeholders, including product, technology, legal, risk, as well as banking partners and regulators. This role reports directly to Gemini’s Global Chief Compliance Officer and has a direct line of communication to the Board.

span 400; Responsibilities:

Oversee the consumer compliance program in accordance with applicable laws and regulations (e.g., UDAAP, ECOA, FCRA, TILA, etc.)
Serve as the primary advisor to the credit card business and other horizon banking and lending products, providing guidance on new product development, product changes, and marketing initiatives
Manage a team of compliance professionals responsible for monitoring and testing, complaint management, third party oversight, issue management, compliance reporting, and customer-facing communications, among other areas
Provide regular reporting to the Board of Managers and other governance committees
Serve as the primary liaison between Gemini and its sponsor bank partner
Respond to internal and external audits, examinations, and regulatory inquiries related to credit card card operations
Oversee risk assessments for consumer banking products, identifying potential areas of risk and working cross-functionally to manage such risks
Serve as the Fair Lending Officer overseeing the company’s fair lending program
Ensure proper oversight of vendors and other third parties that present potential compliance or regulatory risk
Oversee remediation plans for high priority issues to ensure timely remediation and remedy of any compliance-related issues
Remain up-to-date on regulatory changes and landscapes, best practices and developments in the industry and ensure our implementation is both compliant and forward thinking
Provide timely and accurate advice and guidance to the Gemini’s staff on issues arising from compliance policy areas and subject matter within the responsibility of the Compliance Department

Qualifications:

Bachelor s degree. CRCM or Juris Doctor preferred
10+ years of compliance experience in credit, banking, fintech, or other financial regulatory compliance industry and at least 4+ years of experience overseeing a consumer compliance program is a must
Experience supporting a fast-scaling business
Possess deep knowledge and real world application of all lending and banking laws and regulations including UDAAP, TILA, TISA, ECOA, FCRA, EFTA, MLA, SCRA, GLBA, and CAN-SPAM
Proven track record of providing oversight and strategic vision for the entirety of a Compliance Management System (CMS)

It Pays to Work Here

The compensation and benefits package for this role includes:

p-rich_text_list__bullet Competitive starting pay
A discretionary annual bonus
Long-term incentive in the form of a new hire equity grant
Comprehensive health plans
401K with company matching
Paid Parental Leave
Flexible time off

Salary Range: The base salary range for this role is between $150,500 - $215,000 in the State of New York. This range is not inclusive of our discretionary bonus or equity package. When determining a candidate’s compensation, we consider a number of factors including skillset, experience, job scope, and current market data.

In the United States, we offer a hybrid work approach at our hub offices, balancing the benefits of in-person collaboration with the flexibility of remote work. Expectations may vary by location and role, so candidates are encouraged to connect with their recruiter to learn more about the specific policy for the role. Employees who do not live near one of our hubs are part of our remote workforce. All employees, however, are required to onboard in-person at one of our office locations.

em span 400; At Gemini, we strive to build diverse teams that reflect the people we want to empower through our products, and we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. Equal Opportunity is the Law, and Gemini is proud to be an equal opportunity workplace. If you have a specific need that requires accommodation, please let a member of the People Team know.

em span 400; # -MW1