Compliance Analyst

About the role

As a Compliance Analyst at Array, you will support and enhance the Company’s Compliance Management Program by partnering with business teams, reviewing products and marketing materials, conducting compliance monitoring activities, and helping identify and mitigate regulatory risk. This role is ideal for a compliance professional who enjoys working cross-functionally and wants exposure to a broad range of fintech, consumer protection, credit reporting, privacy, and sponsor bank compliance topics.

Responsibilities

• Assist in the execution of Array’s Compliance Management Program and related policies, procedures, and controls.
• Conduct compliance reviews of marketing materials, consumer-facing content, disclosures, websites, customer journeys, and communications.
• Support compliance reviews of new products, features, client use cases, and third-party relationships.
• Perform compliance monitoring and testing activities to assess adherence to regulatory requirements and internal policies.
• Absorb consumer complaint investigations, root cause analysis, trend reporting, and remediation efforts.
• Support regulatory change management efforts by tracking and evaluating new laws, regulations, and supervisory guidance.
• Partner with Product, Marketing, Client Success, Operations, Engineering, Legal, and Information Security teams to identify and mitigate compliance risks.
• Absorb client due diligence reviews and ongoing oversight activities.
• Maintain compliance documentation, risk assessments, issue logs, corrective action plans, and supporting evidence.
• Prepare reports and presentations for management, committees, and internal stakeholders.
• Support sponsor bank, credit bureau, and third-party compliance obligations as needed.
• Research and analyze applicable laws and regulations including FCRA, FACTA, UDAAP, CAN-SPAM, GLBA, ECOA, Reg E, Reg Z, SCRA, and privacy requirements.
• Help drive a culture of compliance by providing practical guidance and support to business partners.
• Maintain a habit of using AI tools to think, build, and ship faster—it’s your default, not an afterthought.

Requirements

• 5+ years of compliance, risk management, audit, legal, financial services, fintech, banking, consumer finance, or related experience.
• Working knowledge of consumer protection regulations, including some combination of:
• Fair Credit Reporting Act (FCRA)
• UDAAP
• CAN-SPAM
• GLBA / Privacy
• ECOA / Reg B
• Reg E
• Reg Z
• SCRA
• Strong analytical, investigative, and problem-solving skills.
• Excellent written and verbal communication skills with the ability to explain regulatory concepts to non-compliance audiences.
• Experience reviewing consumer-facing communications, disclosures, marketing materials, or customer journeys.
• Strong organizational skills with the ability to manage multiple projects simultaneously.
• Comfort working independently in a fast-paced, remote environment.
• Proficiency with Google Workspace, Microsoft Office, Jira, Confluence, or similar business tools.
• A collaborative mindset and ability to build strong relationships across teams.
• A belief that AI is reshaping work, you instinctively use it to accelerate everything you do.

Nice to have

• Experience supporting a fintech, sponsor bank program, Consumer Reporting Agency (CRA), reseller, or financial institution.
• Experience with compliance monitoring, testing, audits, or risk assessments.
• Familiarity with CFPB expectations and Compliance Management Systems (CMS).
• CRCM, CCEP, CAMS, CFCS, or similar certification (or pursuit of certification).
• Experience working with credit reporting, identity, privacy, or embedded finance products.

Pay

FTE Salary Range: $110,000+ base salary, depending on experience. Compensation includes an Incentive Stock Option (ISO) grant, subject to Board approval.