Senior Oversight Compliance Analyst - Credit Cards

Job Title: Senior Compliance Manager - Credit Cards (Consumer Lending)

Location: New York or New Jersey (Hybrid / In-office)

Base Salary: $100,000 - $130,000 per year

Company Overview:

Our client is a leading financial institution, committed to providing top-tier consumer lending solutions. With a strong presence in the market and a focus on growth and innovation, they are seeking a talented Senior Compliance Manager specializing in Credit Cards to join their dynamic Consumer Lending team.

Position Overview:

As a Senior Compliance Manager within the Consumer Lending division, you will play a pivotal role in ensuring that the bank's credit card offerings comply with all relevant regulatory standards and internal policies. You will be responsible for managing compliance risks, conducting regulatory assessments, and maintaining strong relationships with key stakeholders to ensure the bank's credit card operations remain compliant with federal, state, and industry regulations.

Key Responsibilities:

• Oversee and ensure compliance with all applicable regulations (e.g., CARD Act, Reg Z, CFPB guidelines) affecting credit card products and services.
• Develop, implement, and monitor compliance policies and procedures related to credit card lending activities.
• Provide expert guidance to senior leadership on regulatory changes, emerging risks, and best practices within the credit card space.
• Lead internal compliance assessments, audits, and reviews for credit card operations, identifying any potential areas of non-compliance and implementing corrective actions.
• Collaborate with cross-functional teams, including legal, risk, marketing, and operations, to address compliance issues and ensure compliance across all consumer lending products.
• Stay informed about changes in credit card regulations, industry trends, and best practices, ensuring the bank remains ahead of regulatory developments.
• Manage compliance training programs and develop materials to ensure teams stay up to date with regulatory requirements.
• Review and approve customer communications, disclosures, and marketing materials related to credit card products to ensure compliance with all regulatory requirements.

Qualifications:

• Bachelor's degree in Business, Finance, Law, or a related field. Master's or Juris Doctor (JD) preferred.
• 7 years of experience in compliance, risk management, or regulatory affairs within the financial services industry, with a focus on credit cards and consumer lending.
• In-depth knowledge of federal and state regulations affecting credit card products (e.g., CARD Act, Truth in Lending Act, Reg Z, etc.).
• Strong understanding of the financial services industry, particularly within consumer lending and credit cards.
• Excellent analytical, problem-solving, and decision-making skills.
• Proven ability to communicate complex compliance concepts to non-compliance professionals in a clear and concise manner.
• Experience leading teams and collaborating with cross-functional departments.
• Certification in compliance (e.g., Certified Regulatory Compliance Manager - CRCM) is a plus.