Sr. Compliance Analyst


May 17, 2022

About Caribou

At Caribou, we’re on a mission to help drivers save money and take control of their car payments. We use technology to unlock low rates and a team of great people to make the process easy and enjoyable. We offer a fully online application and a dedicated team to walk you through the process. We put Drivers in control.

Caribou is a fast-growing company built by leaders from the technology, automotive, and finance industries. We’re proud to be backed by a great team of investors, including QED Investors, Goldman Sachs, Moderne Ventures, Accomplice, Link Ventures, Motley Fool Ventures and others.

About the Role

Caribou is looking for a Sr. Compliance Analyst to support the execution, implementation and formalization of Caribou’s regulatory Compliance Program (“CMS”) that will enable our strategic and growth plans. In this role, you will escalate issues and risks to compliance leadership, as appropriate; act as thought-leader; communicate effectively; and be able to influence recommended solutions and enhancements.

The Sr. Compliance Analyst will report directly to the Director, Compliance Program and will provide support to the Chief Compliance Officer and others on the Compliance team. Your responsibilities will include:

  • Assist with preparing annual risk assessments for all compliance-related areas (i.e. ECOA, TILA, UDAAP, Fair Lending, CAN-SPAM, FCRA, AML/OFAC, GLBA/Privacy, etc.).
  • Serve as Policy Manager by maintaining all compliance policies and procedures, tracking annual reviews/renewals and coordinating any necessary updates with the respective subject matter experts
  • Consolidate complaint reporting, perform trend analysis and report on the results
  • Support in the creation of testing procedures and scripts to guide the testing process
  • Administer annual Compliance training plan, including managing assignments, monitoring/tracking completion rates and reporting and/or escalating, as needed
  • Facilitate in the preparation of monthly, quarterly and annual management reports on the state of the Compliance Program
  • Assist with compiling responses and/or documents requested for regulatory or compliance related audits, examinations and inquiries
  • Stay current on regulatory requirements and industry trends to ensure the Compliance Program and associated activities remain relevant and compliant
  • Other duties as assigned

This role can be based out of Caribou offices in Washington, DC; Denver, CO; Austin, TX. Alternatively, the role may be based remotely within the U.S. This role requires attendance at occasional in-person team meetings. Caribou currently requires that all personnel and visitors to any of its offices are fully vaccinated against the COVID-19 virus. As a result, candidates must be fully vaccinated against COVID-19 to be eligible for this position (subject to any exemptions or accommodations due to medical or religious reasons).

About You

  • 3-5 years of experience in banking, financial services or financial technology companies, in compliance, internal control, risk management and/or audit functions
  • Familiarity with consumer banking regulations (ECOA, TILA, UDAAP, Fair Lending, FCRA, AML/OFAC, GLBA/Privacy, etc.)
  • Strong written and verbal communication skills and the ability to influence decisions and drive change
  • Self-starter with ability to think independently, take ownership, and drive initiatives to resolution
  • Solid analytical, problem solving, and critical thinking skills
  • Ability to handle multiple priorities and rapid changes
  • Proficient in Microsoft Word, Excel, PowerPoint, Outlook and Adobe Acrobat (and/or equivalent Google Suite applications)
  • Flexibility in taking on additional responsibilities over time as the job requires support of new and innovative processes

Bonus points for:

  • Working knowledge of consumer lending products (e.g., mortgage, auto, credit card) and consumer lending life cycle (e.g., marketing, origination, pricing, servicing and collections)
  • Previous experience with, or exposure to, working with banking regulators, including CFPB, FDIC, OCC, FTC, and/or state regulators

How we will take care of you

Everyone at Caribou is a valued team member, and we always strive to live up to our value Take Care of Each Other. Our compensation and benefits package includes:

  • Competitive compensation: $70k-85k
  • Equity in a high-growth company
  • 401k savings program with 3% company contribution
  • Generous paid time off including: 20 days accrued PTO per year, 14 annual company holidays, 16-weeks paid parental leave, bereavement leave, and volunteer day
  • Robust wellness benefits including company-paid plans for health, dental, vision, mental health, disability and basic life insurance
  • Optional benefits to suit your individual circumstances such as HSAs, FSAs, supplemental life and medical insurance, and pet insurance
  • Up to $1,000 per year for eligible professional development expenses

Our Core Values

We come from all walks of life and are joined together by our shared values, which guide our work. This helps us improve life for our customers, our communities and our team members.

  • See people as people
  • Take care of each other
  • Commit to the mission
  • Move quickly and bravely
  • Get better every day
  • Seek truth

Caribou is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, sexual orientation, pregnancy status, marital status, military or protected veteran status, genetics, or any other characteristic protected by law. This position is not restricted solely to the responsibilities listed above, and the scope and responsibilities are subject to change. A pre-employment background check is required as a condition of employment.

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