VP/Chief Compliance Officer

 Are you EPIC?  
Do you have the ability to demonstrate, understand and apply HFD’s core purpose and values in all that you do? At HFD our core purpose is to help the underserved live healthier. To accomplish this mission, we must ensure that our team is aligned with our E.P.I.C. values:   

• Excellence: Always exceeding expectations!   
• Passionate: Executing with boldness!   
• Innovative: Pioneering a better way!   
• Collaborative: Together we win!   

The EPIC Chief Compliance Officer we are looking for:  

We are seeking an experienced and highly organized Chief Compliance Officer (CCO) to oversee and manage the company’s compliance and legal teams with to ensure the company meets all industry specific regulatory requirements and legal demands. The Chief Compliance Officer will oversee the development, implementation, and monitoring of policies and procedures to ensure that the organization adheres to relevant laws, regulations, and internal guidelines. This role will be to manage and lead the Legal department and support an in-house legal team with 3rd party counsel resources approved for use. This position is crucial for upholding the organization’s integrity and reputation, while effectively reducing legal and regulatory risks. 

As a Chief Compliance Officer, you will:   

• Develop, implement, and maintain an effective compliance program to ensure the company’s adherence to legal and regulatory standards. 
• Create compliance strategies that align with the organization’s overall business objectives and risk appetite. 
• Support legal activities including customer due diligence, contract redline reviews, consumer complaints management, legal notice review and responses, etc. 
• Act as the primary point of contact for regulatory bodies? and banking partners and? ensure that the company’s policies and procedures meet industry-specific regulations. 
• Ensure the company complies with all applicable laws, regulations, and industry standards, including data privacy (CCPA), anti-money laundering (AML), and ?other regulatory requirements.  ?? ? 
• Monitor regulatory changes and industry trends, advising senior management and the board on necessary compliance adjustments. 
• ??Develop and implement compliance audits, risk assessments, and monitoring ?and testing ?activities to identify and mitigate potential legal and regulatory risks.??? 
• ???Oversee compliance programs such as complaint handling, vendor management, compliance training, and compliance reporting.?? 

Compliance areas will include federal and state laws and legislation including, but not limited to the following:  

• Retail Installment Sales Act (RISA)  
• Truth in lending Act (TILA)  
• Fair Credit Reporting Act (FCRA)  
• Fair Debt Collection Practices Act (FDCPA)  
• Bank Secrecy Act (BSA) / Anti-Money Laundering (AML) 
• Office of Foreign Assets Control (OFAC)  
• Controlling the Assault of Non-Solicited Pornography and Marketing Act (CAN-SPAM) 
• Electronic Fund Transfer Act (EFTA) 
• Electronic Signatures in Global and National Commerce Act (E-Sign) 
• Equal Credit Opportunity Act (ECOA) 
• Gramm Leach Bliley Act (GLBA) 
• Servicemembers Civil Relief Act (SCRA) 
• Unfair, Deceptive, Abusive Acts or Practices (UDAAP) 
• Bankruptcy Laws  
• Telephone Consumer Protection Act (TCPA)  
• Health Insurance Portability and Accountability Act (HIPAA)  
• California Privacy Rights Act  
• California Consumer Privacy Act  
• Florida Doc Stamp Tax  
• Military lending Act (MLA)  
• Americans with Disabilities Act (ADA)  
• Privacy Laws  
• And other legislation and relevant  
• Consumer Financial Protection Bureau (CFPB)  

Regulatory tasks shall include researching and analyzing all the above-mentioned regulations to determine the subjectivity, application, and execution for HFD.  Granular level tasks may include:  

• Research and keeping abreast of updates and changes to the law  
• Providing briefing, and detailed reporting to the executive team and banking partner  
• Providing guidance and recommendation for best practice 

 Requirements  

• In-depth knowledge in compliance regulations including TILA, ECOA, FCRA, SCRA, GLBA, BSA/AML, and UDAAP 
• 10+ years’ experience in FinTech or Banking Compliance, with a focus on consumer protection   
• Experience with regulatory bodies, audits, and risk management processes. 
• Experience in dealing with legal decisions balancing risk and business success; contractual language provisions and guidance; and subsequent legal matters. 

Intangibles  

• Familiar with Healthcare Patient Finance and/or Banking as a Service model.  
• Familiar with consumer finance laws and the FinTech industry. 

Benefits  

• Medical, Dental, Vision Insurance   
• 401k with 3% company match  
• Time off: Unlimited PTO, 6 days of paid sick time, plus 6 paid holidays and 1 floating holiday.  
• EPIC company culture