Consumer Compliance and CRA Analyst (Fintech)

TL;DR

Consumer Compliance and CRA Analyst (Fintech): Building and operationalizing compliance and Community Reinvestment Act (CRA) infrastructure for a US National Bank Charter with an accent on regulatory risk mitigation and consumer protection. Focus on designing the CRA Strategic Plan, interpreting complex US federal and state banking regulations, and ensuring charter readiness under OCC supervision.

Location: Hybrid 2-3 times/week in Washington DC, USA

Company

hirify.global is a leading digital banking platform expanding its presence in the US market with a goal of achieving a National Bank Charter.

What you will do

• Develop the CRA Strategic Plan for the organizing bank, defining assessment areas and measurable performance goals.
• Engage with community organizations and nonprofits to assess local credit and community development needs.
• Advise business partners on new product initiatives and marketing campaigns to identify and mitigate compliance risk.
• Translate complex federal and state consumer protection regulations into actionable guidance for cross-functional teams.
• Build and operationalize compliance infrastructure, including policies, procedures, and monitoring for a de novo national bank.
• Conduct compliance gap analyses against OCC supervisory expectations and drive remediation roadmaps.

Requirements

• 8-10 years of dedicated compliance, risk, or audit experience within a US financial institution or bank.
• Direct working experience with the Community Reinvestment Act (CRA), including performance evaluation and recordkeeping.
• Deep knowledge of US consumer compliance regulations (ECOA/Reg B, TILA/Reg Z, UDAAP, EFTA/Reg E).
• Experience engaging with community stakeholders to identify local credit needs.
• Bachelor's degree in Finance, Law, Business Administration, or a related field.
• Ability to communicate complex regulatory topics clearly to non-compliance audiences.

Nice to have

• Experience with Fair Lending compliance and disparate impact analysis.
• Experience with consumer complaints oversight and root cause analysis.
• Experience at a de novo bank, BaaS arrangement, or fintech-bank partnership.
• Professional certifications such as CRCM or CCEP.

Culture & Benefits

• Hybrid work model requiring office presence 2-3 times per week for team collaboration.
• Strategic approach to compliance, viewing it as an engine for growth rather than a tollgate.
• Entrepreneurial environment with the opportunity to build critical bank infrastructure from scratch.
• Direct collaboration with senior leadership and the Head of US Compliance.