Compliance Monitoring Analyst

  • San Francisco, CA
  • Full-time

Company Description

We believe the economy is better when everyone has access. When everyone has room to grow. No one should be left out because the cost is too great or the technology too complex. We started with a little white credit card reader but haven’t stopped there. We’re empowering the independent electrician to send invoices, setting up the favorite food truck with a delivery option, helping the ice cream shop pay its employees, and giving the burgeoning coffee chain capital for a second, third, and fourth location. We’re here to help sellers of all sizes start, run, and grow their business—and helping them grow their business is good business for everyone.

Job Description

This position is responsible for supporting and enhancing the Consumer Lending Compliance program by performing and managing the program’s regulatory monitoring function for consumer lending using sound judgment, innovative thinking, and collaborative decision making. These responsibilities include conducting monitoring of all aspects of the consumer loan program including policies, procedures, advertising/marketing, emails/letters, and customer agreements and providing detailed reporting to business owners. In addition, this position is responsible for helping to ensure that the business is compliant with applicable laws, regulations, regulatory requirements, and company policies and procedures as well as consulting with other compliance personnel and business leads to ensure effective compliance guidance is provided, The scope of this role includes but is not limited to regulatory subjects such as BSA/AML, EFTA, ECOA, GLBA, OFAC, TCPA/TSR, TILA, UDAAP, compliance governance, information security, and vendor management.

You will:

  • Under the direction of the Capital Compliance Officer, implement a compliance monitoring program for consumer lending

  • Conduct reviews and queries of various databases and systems

  • Monitor regulatory compliance on both a regular and periodic basis, properly identify gaps in controls and assess remediations proposed by business stakeholders

  • Prepare compliance reports by collecting, analyzing, and storing accurate and verifiable information

  • Support partner relationships with other companies and financial institutions involved in the lending program

  • Communicate complex compliance issues with internal and external stakeholders

  • Coordinate with business units in the development and implementation of processes to minimize compliance risks

  • Monitor consumer complaints for potential compliance matters and to ensure proper investigations occurs

  • Consult with corporate attorneys as necessary to address complex compliance issues

  • Maintain superior knowledge of applicable consumer lending compliance laws and regulations and proactively identify emerging compliance risks

  • Assist with other special projects as needed


You have:

  • 4-year undergraduate degree (minimum) Bachelor's Degree required

  • 3 years of experience required in lending compliance monitoring or audit with a strong understanding in at least one of the following areas: secured consumer loans, unsecured consumer loans, or consumer credit cards

  • Demonstrated abilities in development and implementation of new compliance policies, strategies, and work processes

  • Proven ability to understand legal and regulatory concepts and converting them into relevant, practical business requirements

  • Excellent oral and written communication

  • Strong ability to build relationships and establish trust and credibility with business leads, financial institution partners, and regulators through collaborative and independent initiatives

  • Experience in conducting database queries, managing multifaceted projects using strong organizational, interpersonal, and presentation skills

Even better:

  • Fair Lending program development and/or implementation experience

Additional Information

At Square, our purpose is to empower – within and outside of our walls. In order to build the best tools for the businesses and customers we support all over the world, we have to start at home with a workforce as diverse and empowered as our sellers. To this end, we take great care to evaluate all employees and job applicants equally, based on merit, competence, and qualifications. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other characteristic protected by law. We encourage candidates from all backgrounds to apply and always consider qualified applicants with arrest and conviction records, in accordance with the San Francisco Fair Chance Ordinance. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us by sending an email to assistance(at) We will treat your request as confidentially as possible. In your email, please include your name and preferred method of contact, and we will respond as soon as possible.