Compliance Director

Role Overview

Specialty Capital is seeking a Compliance Director to support the build, implementation, and ongoing operation of our Compliance Management System (CMS) as we partner with a regulated bank sponsor. This role plays a critical part in ensuring regulatory readiness, supporting bank examinations and audits, and maintaining strong controls across lending, servicing, marketing, and third-party relationships.

This is a hands-on, execution-focused role, ideal for a candidate with foundational experience in bank or fintech compliance and BSA/AML, who understands regulatory expectations and thrives in a fast-growing environment.

Key Responsibilities

Compliance Management System (CMS)

• Support the day-to-day operation of Specialty Capital’s Compliance Management System (CMS).
• Maintain and update compliance policies, procedures, risk assessments, and applicability matrices.
• Assist with preparation of materials for bank partner due diligence, audits, and ongoing monitoring.

Regulatory Compliance

• Support compliance oversight across applicable laws and regulations, including:
• ECOA / Regulation B
• FCRA / FACTA
• TILA / Regulation Z
• UDAAP / UDAP
• CAN-SPAM, TCPA / TSR
• E-SIGN, ADA
• SCRA
• Applicable state lending and disclosure requirements
• Track regulatory changes and assist in assessing applicability and operational impact.
• Support execution of compliance monitoring and testing plans, including documentation of results and remediation tracking.

BSA / AML / OFAC Support

• Support the execution of Specialty Capital’s BSA/AML/CFT program, including:
• Customer Identification Program (CIP)
• Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
• Beneficial ownership documentation
• OFAC screening support
• Assist in maintaining BSA/AML policies, procedures, and risk assessments.
• Support SAR-related documentation and escalation processes (as applicable).
• Maintain BSA training records and assist with employee training coordination.
• Support bank partner and auditor requests related to BSA/AML controls.

Applicant & Customer-Facing Disclosures

• Assist with review, maintenance, and version control of:
• Loan agreements and promissory notes
• Adverse Action Notices
• Privacy Notices
• Applicant and guarantor disclosures
• Help validate the accuracy and consistency of disclosures generated by internal systems and third-party vendors.

Complaints & Issues Management

• Support the complaint management program, including logging, tracking, and trend analysis.
• Assist with issues management, ensuring corrective actions are documented, tracked, and completed.
• Help incorporate prior audit findings and regulatory feedback into ongoing monitoring activities.

Third-Party Risk & Vendor Oversight

• Support compliance aspects of third-party risk management, including:
• Vendor due diligence and onboarding documentation
• Review of SOC reports, certifications, and compliance artifacts
• Tracking ongoing monitoring requirements
• Coordinate with Operations, Legal, and IT on vendor compliance obligations.

Training & Reporting

• Assist in coordinating compliance and BSA/AML training for employees and contractors.
• Maintain training schedules, logs, and completion records.
• Prepare compliance summaries and reporting for internal leadership and bank partners.

Qualifications

Required

• 1+ year of experience in compliance, BSA/AML, risk, audit, or regulatory support within: Banking, Fintech, Consumer or small-business lending
• Working knowledge of core U.S. financial-services regulations and BSA/AML fundamentals.
• Hands-on experience supporting or contributing to a Compliance Management System (CMS)
• (e.g., policy management, monitoring/testing, issue tracking, audits, or exam support)
• Strong organizational skills and attention to detail.
• Ability to work cross-functionally with Operations, Credit, Product, and Technology teams.
• U.S.-based and authorized to work in the United States.Preferred
• Experience supporting bank sponsor relationships or regulatory examinations.
• Exposure to Compliance Management Systems (CMS).
• Familiarity with complaint management, monitoring/testing, or audit support.
• Bachelor’s degree in Business, Finance, Risk, Compliance, or related field.