Compliance Analyst

Come join a growing financial technology company that’s leading the marketplace in both the marketing and servicing of credit cards! Continental Finance Company specializes in credit card options for those consumers with less than perfect credit. We are seeking a Compliance Analyst to support our Compliance team.

The Compliance Analyst is responsible for supporting the Compliance Management System (CMS) program for credit cards to ensure compliance in various aspects of the business with federal, state, and local regulations, and partner relationships.

Essential Functions:

• Provide comprehensive support to all aspects of the Company’s CMS Program.
• Assist with the planning, preparation, execution and reporting of audits, monitoring, and testing in all aspects of the Company’s CMS Program.
• Prepare deliverables for audits, review testing findings, and make recommendations for improvements.
• Review suspicious transactions and support the QAR filing process with bank partners.
• Assist in the implementation of new-compliance related processes and subsequent business line integration.

• Effectively plan and function as audit lead for scheduled audits of various areas (compliance, operational, systems-oriented) subject to audit within the Company, assigning personnel to specific audit activities and reviewing audit deliverables for adequacy of coverage and content to support audit requests and findings.
• Develop, review, and analyze the ongoing effectiveness of all audit programs, recommending changes and improvements as appropriate, to the Audit Manager.

• Assist with maintaining the Company’s KYC/CIP and AML/BSA/OFAC Programs.

• Develop and implement effective audit techniques and procedures and utilize documentation skills which adequately support audit requests and findings within a timely manner.
• Evaluate and analyze the effectiveness of more complex procedures and internal controls within the assigned corporate or compliance area, using appropriate audit skills, techniques, and judgment.

• Assist the Compliance Manager, VP of Compliance, and Chief Compliance Officer with other ad hoc projects.

The ideal candidate will have the following:

• Minimum 1-3 years of relevant consumer lending analytical compliance experience.
• Minimum of 1-2 years of BSA/AML experience.
• Bachelor’s degree required. Other compliance certification or designation is a plus.
• Strong knowledge of laws, regulations, and requirements applicable to consumer lending and credit cards including TILA, FCRA, UDAAP, FDCPA, ECOA, Fair Lending, E-SIGN, MLA, SCRA, EFTA, SCRA, GBLA, BSA/AML and OFAC.
• Experience with performing compliance risk assessments, audits, and/or monitoring and testing.
• Experience with review of suspicious transactions/SAR filing.
• Proactive, self-starter, capable of productive work both independently and as part of the team, with a desire to learn quickly and take ownership.
• Exemplary organizational skills
• Strong track record in working collaboratively.
• Ability to multi-task in a fast-paced environment is essential, with prior experience working for a fintech, regulator, bank, or consumer finance business.

Why Continental Finance?

Continental Finance Company (the “CFC”) is one of America’s leading marketers and servicers of credit cards for consumers with less-than-perfect credit. Since our founding in 2005, we have prided ourselves on corporate responsibility to customers in terms of a strong customer support program and fair treatment. With our success, we have also grown into an innovative financial tech company! With a state-of-the-art consumer marketing and servicing platform, we provide a variety of services to consumers when other financial institutions will not accommodate them. With more than 2.6 million credit cards managed and serviced since our founding, we pride ourselves on putting the customer first. We are not a chartered banking financial institution, nor are we a debt originator or a credit card issuer.

CFC is an equal opportunity employer that is committed to inclusion and diversity. Our company provides equal employment opportunity (EEO) regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or veteran status.

CFC is seeking bright, energetic individuals that will help us grow and develop together! We uphold a promise to treat our employees with the same care and concern as we do our customers. We offer all employees competitive compensation and benefits in an exciting, fast-paced business casual environment. Join our growing team and apply online today!

CFC offers a hybrid work schedule which includes three (3) core days in the office (Tuesday, Wednesday, and Thursday) and two (2) remote workdays (Monday and Friday)

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