About One

One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, 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 achieve financial progress. Come build with us!

The Role

As a Compliance Manager, your mandate is to help the company excel in regulatory risk management so we can continue offering high value products while maintaining trust with our customers, our partners, and our external stakeholders, including regulators. This role will impact OnePay vision by implementing and managing critical elements of risk management including governance and controls processes. You will work closely with the Operations, Servicing, and Product teams working on issues management, complaints remediation, regulatory change management, and compliance training. This role reports to the Compliance Governance Lead.

This role is responsible for: 

• Assisting in the day-to-day oversight and management of OnePay compliance management system (“CMS”).

• Developing, executing and managing compliance critical functions, including, complaints, issue management, regulatory change management, and training.

• Ensuring compliance by developing and maintaining expertise, up-to-date knowledge of regulatory changes and amended laws.

• Participating in the development of regulatory and department policies and/or procedures, as well as in the creation and implementation of tools, guides and other resource materials for the first line of defense.

• Providing compliance and regulatory-risk input and support for all new products, delivery channels, and markets as well as for changes to proprietary systems, technologies and/or processes.

• Reviewing qualitative and quantitative KPIs and KRIs and identify potential areas of risks to OnePay customers or partners.

• Analyzing large data sets for trends and effectively communicating that analysis to a variety of audiences

• Additional duties as assigned by your manager

You bring

• Up to 5-10 Years of experience

• An act-like-an-owner mentality. We have a bias toward taking action.

• CRCM or similar compliance certification

• Experience working with products or businesses in lending, banking, financial services, or other highly regulated sectors.

• Strategic thinking with the matched ability to deliver compliance improvements and set best in class processes.

• Strong ability to work in a leadership role and influence peers. Must be able to work collaboratively with the supported businesses, providing guidance and administering policies/procedures as needed in a timely manner.

• Excellent project management skills, strong writing and analytical ability to complete projects on time. Excellent communication skills including the ability to effectively deliver technical training.

• Experience working with products or businesses in lending, banking, financial services, or other highly regulated sectors.

Pay Transparency

The estimated annual base salary for this position ranges from $125,000 to $150,000. 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.

We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on May 31, 2024.

Please see the independent bias audit report covering our use of Covey here.

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.

Equal Employment Opportunity

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. 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.