Senior Manager, Consumer Compliance

Who We Are

The world is moving towards instant digital payments and TabaPay is leading the way. We help thousands of Fintechs in the US and Canada instantly move money in and out of accounts and we are actively expanding into other countries. Our customers represent the hottest verticals in the financial service industry such as neobanks, challenger brokers, gaming and wallets. TabaPay is a highly profitable rocketship that processes billions of dollars each year. To learn more visit www.tabapay.com.

The Senior Manager, Consumer Compliance serves as TabaPay’s primary subject matter expert for consumer compliance and provides independent Second Line oversight of consumer compliance risk across the enterprise, with particular responsibility for TabaBank’s consumer banking products and activities.

Reporting to the Chief Compliance Officer, this role will help build, implement, and maintain the Consumer Compliance Program as a core component of the enterprise Compliance Management System (CMS). The role will provide regulatory gui dan ce, oversight, monitoring, testing, and independent challenge to business and operational teams throughout the consumer product lifecycle.

The immediate focus will be supporting TabaBank’s consumer deposit products and ensuring the Consumer Compliance Program is fully operational prior to product launch. This is consistent with the commitment made to the Federal Reserve to establish a dedicated Consumer Compliance Officer and have the program operational before TabaBank’s first consumer deposit transaction.

What You’ll Do

Consumer Compliance Program & Regulatory Expertise

• Serve as the primary subject matter expert for federal and state consumer protection requirements.

• Maintain and continuously enhance the Consumer Compliance Program within the enterprise CMS.

• Provide independent Second Line oversight and credible challenge of First Line consumer compliance activities.

• Lead consumer compliance risk assessments and maintain regulatory applicability and requirements mapping.

• Monitor regulatory developments and translate changes into actionable requirements for policies, procedures, controls, disclosures, training, and business processes.

• Identify, escalate, and support remediation of material consumer compliance risks and issues.

TabaBank Consumer Compliance

Provide Second Line oversight of TabaBank’s consumer deposit products, with particular expertise in:

• Regulation E and electronic funds transfers

• Regulation CC and funds availability

• Regulation DD / Truth in Savings

• UDAAP

• Regulation P / GLBA and consumer privacy

• Deposit disclosures, fees, and servicing

• Marketing and advertising

• Error resolution and disputes

• Complaint management

• Dormancy and escheatment

• Applicable state consumer protection requirements

The initial program is focused on deposit products rather than consumer lending, consistent with TabaBank’s current product strategy and regulatory commitments.

Product & Business Advisory

• Partner with Product, Operations, Marketing, Technology, Legal, Risk, and other stakeholders to incorporate consumer compliance requirements into products and processes.

• Review new products, material changes, fees, disclosures, marketing, customer communications, and servicing practices prior to implementation.

• Assess UDAAP and potential consumer-harm risks throughout the product lifecycle.

• Provide practical regulatory gui dan ce that enables the business to meet compliance requirements while delivering a strong customer experience.

Monitoring, Testing & Consumer Protection

• Develop and execute risk-based Second Line monitoring and testing across consumer products and regulatory requirements.

• Provide compliance oversight of consumer complaints and analyze trends for systemic issues, UDAAP concerns, or potential consumer harm.

• Oversee consumer compliance aspects of third-party and affiliate activities.

• Document findings, identify root causes, escalate material issues, and provide independent challenge of remediation.

• Assess whether corrective action or consumer restitution is appropriate when compliance issues are identified.

Governance & Regulatory Readiness

• Develop and maintain consumer compliance policies, standards, gui dan ce, and training.

• Support regulatory examinations, audits, and independent compliance reviews.

• Maintain clear, examination-ready evidence demonstrating the effectiveness of the Consumer Compliance Program.

• Develop consumer compliance metrics and reporting and support the CCO in reporting material risks, monitoring results, complaint trends, regulatory developments, and remediation status to senior management and Board-level governance.

Qualifications

Required

• 7+ years of consumer compliance experience in banking, fintech, payments, or regulated financial services.

• Strong experience with  consumer deposit compliance  and bank Compliance Management Systems.

• Deep working knowledge of Regulation E, Regulation CC, Regulation DD, UDAAP, Regulation P/GLBA, consumer privacy, complaint management, marketing/advertising, and deposit servicing requirements.

• Experience with compliance risk assessments, monitoring and testing, regulatory change management, and issue remediation.

• Experience advising Product, Operations, Marketing, and Technology teams on regulatory requirements.

• Experience supporting bank regulatory examinations, audits, or independent compliance reviews.

• Strong regulatory judgment with the ability to translate complex requirements into clear, practical gui dan ce.

• Strong written, analytical, communication, and stakeholder-management skills.

Preferred

• Experience at a national bank, federally regulated bank, sponsor bank, fintech bank, or payments-focused financial institution.

• Experience interacting with the OCC, Federal Reserve, FDIC, CFPB, or state banking regulators.

• Experience building or enhancing a Consumer Compliance Program or CMS.

• Experience with digital banking and third-party-enabled consumer deposit products.

• CRCM or comparable consumer compliance certification.

• Bachelor’s degree or equivalent professional experience.

The pay range for this position is $150,000. Base pay offered may vary depending on job-related knowledge, skills, and experience. In addition to a full range of medical, financial, and/or other benefits as listed below, dependent on the position offered. Benefits

TabaPay offers the following benefits:

• 100% employer-paid health care insurance including medical, dental, vision, and life insurance (for employee only)

• Employer 401K Matching

• Generous and Flexible PTO

EEO Employer: TabaPay is an equal opportunity employer; all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or any other protected classification.