United States (Remote)

About ONE

ONE is on a mission to help people live healthier financial lives. We’re doing this by creating simple solutions to help our customers save, spend, and grow their money – all in one place. 

The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances. 

What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent. 

There’s never been a better moment to build a business that helps people live healthier financial lives. Come build with us!

The Role

As part of Compliance Monitoring and Testing, your mandate is to help us execute our overall Monitoring and Testing program for the compliance function as a key second line of defense role within the compliance department. This role will impact ONE’s vision by testing the effectiveness of controls, providing valuable feedback when recognizing opportunities for improvement and identifying areas to automate monitoring to help the company mature and scale. You will work closely with the Compliance, Product, and Operations team(s) working on monitoring and testing. This role reports to the Monitoring and Testing Manager.

This role is responsible for: 

• Developing and executing testing scripts to evidence ONE’s products, services, and controls for compliance with applicable US consumer compliance banking regulations, such as UDAAP, ECOA, EFTA, Privacy, FCRA, FDCPA, TILA, and TISA, as well as relevant state laws and regulations.
• Coordinating and analyzing data from multiple stakeholders and sources, validating data in a timely manner.
• Documenting the work, along with preparing findings and recommendations and presenting them to senior management and key business stakeholders.
• Contributing to the planning, preparation, and execution of an annual compliance testing and monitoring plan, including performing compliance risk assessments in collaboration with relevant business stakeholders.
• Demonstrating a strong subject matter expertise on applicable US consumer compliance banking regulations, particularly relevant to ONE’s business activities by maintaining an up-to-date knowledge of changes in key regulatory requirements, regulatory focus and risk themes impacting ONE’s regulatory compliance and conduct obligations.
• Additional duties as assigned by your manager.

You bring

• Experienced, 5+ years of relevant, progressive experience with compliance testing or compliance auditing.
• An act-like-an-owner mentality. We have a bias toward taking action.
• Strong analytical and organizational skills with high attention to detail and accuracy.
• Proven track record of performing regulatory or compliance reviews and targeted testing at a regulated firm, a regulator or leading consulting firm, and/or as part of an Internal audit or other testing function.
• Understanding of the consumer finance or fintech sector
• A strong knowledge of regulatory requirements and testing and evidencing compliance requirements using a data-driven approach. 
• Excellent verbal and written communication skills with a track record of preparing high impact and high-quality reports.
• A proven track record in producing high quality deliverables under competing priorities and adherence to deadlines.
• Critical thinking and problem-solving skills with the ability to exercise sound and balanced judgment.
• Self-motivated with the ability to work independently as well as with a range of senior management, and peers.
• CRCM, CIA or equivalent candidacy a plus.

Pay Transparency

The estimated annual salary for this position ranges from $100,000 to $125,000. Pay is generally based upon the level, complexity, responsibility, and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.

What it’s like working @ ONE

Our teams collaborate remotely and in our work spaces in New York and Sacramento. 

• Competitive cash
• Benefits effective on day one 
• Early access to a high potential, high growth fintech
• Generous stock option packages in an early-stage startup
• Remote friendly (anywhere in the US) and office friendly - you pick the schedule
• Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave
• 401(k) plan with match

Leveling Philosophy

In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at ONE. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within ONE.

Inclusion & Belonging

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@one.app.

For additional questions around our interview process, please check out our Candidate FAQs.