Compliance Analyst

Array is a financial innovation platform that helps digital brands, financial institutions, and fintechs get compelling consumer products to market faster. We deliver a suite of credit and identity monitoring tools, privacy protection, and a financial ads marketplace via embeddable widgets or a clean, modern API. Our private label offerings help drive revenue and increase engagement for our customers while empowering millions of consumers to achieve their financial goals.

As a remote-first company, we’re focused on providing opportunities for high performing individuals to have deep impact in the fast growing fintech space. A clear mission, a commitment to continuous improvement and a willingness to experiment empower us individually and together deliver the best products for our clients and users.

As a Compliance Analyst at Array, you will help support and enhance the Company’s Compliance Management Program by partnering with business teams, reviewing products and marketing materials, conducting compliance monitoring activities, and helping identify and mitigate regulatory risk. This role is ideal for a compliance professional who enjoys working cross-functionally and wants exposure to a broad range of fintech, consumer protection, credit reporting, privacy, and sponsor bank compliance topics.

This role reports to the Head of Compliance.

You will:

• Assist in the execution of Array’s Compliance Management Program and related policies, procedures, and controls.
• Conduct compliance reviews of marketing materials, consumer-facing content, disclosures, websites, customer journeys, and communications.
• Support compliance reviews of new products, features, client use cases, and third-party relationships.
• Perform compliance monitoring and testing activities to assess adherence to regulatory requirements and internal policies.
• Assist with consumer complaint investigations, root cause analysis, trend reporting, and remediation efforts.
• Support regulatory change management efforts by tracking and evaluating new laws, regulations, and supervisory guidance.
• Partner with Product, Marketing, Client Success, Operations, Engineering, Legal, and Information Security teams to identify and mitigate compliance risks.
• Assist with client due diligence reviews and ongoing oversight activities.
• Maintain compliance documentation, risk assessments, issue logs, corrective action plans, and supporting evidence.
• Prepare reports and presentations for management, committees, and internal stakeholders.
• Support sponsor bank, credit bureau, and third-party compliance obligations as needed.
• Research and analyze applicable laws and regulations including FCRA, FACTA, UDAAP, CAN-SPAM, GLBA, ECOA, Reg E, Reg Z, SCRA, and privacy requirements.
• Help drive a culture of compliance by providing practical guidance and support to business partners.
• Maintain a habit of using AI tools to think, build, and ship faster - it’s your default, not an afterthought.

You have:

• 5+ years of compliance, risk management, audit, legal, financial services, fintech, banking, consumer finance, or related experience.
• Working knowledge of consumer protection regulations, including some combination of:
• Fair Credit Reporting Act (FCRA)
• UDAAP
• CAN-SPAM
• GLBA / Privacy
• ECOA / Reg B
• Reg E
• Reg Z
• SCRA
• Strong analytical, investigative, and problem-solving skills.
• Excellent written and verbal communication skills with the ability to explain regulatory concepts to non-compliance audiences.
• Experience reviewing consumer-facing communications, disclosures, marketing materials, or customer journeys.
• Strong organizational skills with the ability to manage multiple projects simultaneously.
• Comfort working independently in a fast-paced, remote environment.
• Proficiency with Google Workspace, Microsoft Office, Jira, Confluence, or similar business tools.
• A collaborative mindset and ability to build strong relationships across teams.
• A belief that AI is reshaping work, you instinctively use it to accelerate everything you do.

Nice to Have:

• Experience supporting a fintech, sponsor bank program, Consumer Reporting Agency (CRA), reseller, or financial institution.
• Experience with compliance monitoring, testing, audits, or risk assessments.
• Familiarity with CFPB expectations and Compliance Management Systems (CMS).
• CRCM, CCEP, CAMS, CFCS, or similar certification (or pursuit of certification).
• Experience working with credit reporting, identity, privacy, or embedded finance products.

Pay Transparency:
FTE Salary Range: $110,000+ base salary, depending on experience. Full time employee compensation includes an Incentive Stock Option (ISO) grant, subject to Board approval.

Expected interviews: Recruiter conversation - Hiring Manager Interview - Loop: How We Work, Regulatory Interview - Day to Day interview.

Array Offers All Full Time Employees the following Benefits and Perks:

• Full medical, dental, and vision, premiums covered at 100% for full-time employees and 70% for dependents
• Unlimited PTO and sick leave + 14 company holidays to encourage a healthy work-life blend
• 100% 401k match up to 4% with immediate vesting
• Generous and competitive parental leave for all parents
• $1,000 desk setup subsidy to set-up your unique remote office
• $100/month to subsidize wifi/cell phone expenses
• Summer Fridays (half-day Fridays) typically from late May to the end of August
• Commuter benefits for those who choose to go into our New York City or San Francisco office spaces

Not sure if you meet the Qualifications? We know that folks tend to only apply if they check every box. If you think you have the appropriate qualifications, but don’t meet every single one, we encourage you to still apply. We’d love to hear from you.

We are proud to be an equal opportunity workplace; we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. Array will provide reasonable accommodations to qualified applicants - if you need an accommodation to participate in the application or interview process, please email talent@array.com to make your request.

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