People Matter

Senior BaaS Compliance Analyst

Lead Bank (FKA Luna Financial)

Lead Bank (FKA Luna Financial)

IT, Legal
Posted on Saturday, June 22, 2024
Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.
We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.
Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do.
Role Description: Lead is seeking a dynamic, self-motivated compliance professional to join our Compliance Team. Lead views regulatory compliance as a key driver of innovation and this position presents a unique opportunity to play a foundational role in continuing to build and implement our forward thinking compliance strategy.
The Senior Compliance Banking as a Service (“BaaS”) Analyst will be responsible for assisting the BaaS Regulatory Compliance Manager in the delivery of the Compliance Management System (CMS). The role will have a primary focus in conducting day-to-day due diligence, monitoring and review related to the bank’s lending, deposit, and operational activities as it relates to the Bank’s Banking as a Service (BaaS) fintech partner programs. Further duties can be assigned at any time due to expanded activities from the bank, its partners, or regulators.

In this role you will:

  • Work closely with the Head of Risk and Compliance, BaaS Regulatory Compliance Manager, other business lines, and Fintech partners to ensure consideration and accurate implementation of controls and processes necessary to meet regulatory compliance requirements
  • Maintain proficient knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to, Reg E, TILA, ECOA, FCRA, SCRA/MLA, Reg CC, TISA, and other federal consumer protection legislation and regulations
  • Conduct interviews and meetings with responsible Fintech Partner key stakeholders to gain an overall understanding of their Compliance Management System
  • Review business unit and Fintech partner policies and procedures for adherence to laws and regulations and recommends changes based on risks identified or changes in laws and regulations
  • Monitor compliance related Partner controls and key risk indicators to identify weaknesses, research issues, and makes recommendations for remediation where required
  • Conduct transaction and account-level/loan-level testing for adherence to applicable (Fintech partner) control requirements on a scheduled and/or ad hoc basis
  • Assist the business unit/Fintech partner in the development of action plans and corrective action associated with monitoring/review findings, as necessary
  • Develop effective working relationships with department employees, other business units, and Fintech partners
  • Supportive resource to the business units for questions related to consumer protection laws and regulations
  • Contribute to the completion of annual compliance risk assessments for the bank and BaaS partners, as needed
  • Assist in the coordination of, and preparation for, regulatory agency exams, and external audits/reviews
  • Participate in bank initiatives and projects to ensure compliance with federal, state, and local laws and regulations
  • Demonstrate the values of Lead Bank and set a personal example for team members to follow


  • Minimum 5+ years of banking compliance experience
  • Have knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to Reg E, TILA, ECOA, FCRA, SCRA/MLA, Regulation CC, TISA, and other federal consumer protection legislation and regulations
  • Demonstrate exceptional communication skills
  • Ability to make judgements based on information provided
  • Ability to work and complete tasks with minimal direct supervision
  • Eager to learn and achieve proficiency
  • Are curious, have humility, are open to learning and approach your work with a growth mindset
  • Thrive working in a fluid environment with high autonomy
  • Love to collaborate to get to the best, most efficient outcome
  • Embody the growth mindset and bring a self-driven and self-starter mentality to your work

What we offer:

  • At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
  • Competitive compensation, including opportunities for equity grants and cash bonus, based on experience, geographic location, and role
  • Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
  • Paid parental leave
  • Flexible vacation policy, including PTO and paid holidays
  • A fun and challenging team environment in a dynamic industry with ample opportunities for career growth
*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.
Zone 1: $82,000 - $115,000 (SF/Bay Area, NYC, Seattle, LA)
Zone 2: $73,000 - $99,000 (Austin, Boston, Chicago, Denver, San Diego, DC)
Zone 3: $65,000 - $89,000 (Other US Metros)