Compliance Analyst

About Yendo

We are Yendo, dedicated to empowering everyday people to build a stronger financial future. In just two years, we've helped customers save over $100 million in unnecessary interest and fees. Using AI, we unlock $1.1 trillion in vehicle equity, providing high-limit, standard-rate credit cards to those traditionally excluded from mainstream financial offerings.

Role Overview

Reporting to Yendo’s CMS Compliance Manager, this position plays a critical role across two key areas of our compliance program. On the BSA/AML side, you'll support customer identification programs (CIP), know-your-customer (KYC), customer due diligence (CDD), and transaction monitoring operations. On the CMS side, you'll conduct compliance testing, support exam management, and help maintain the documentation and issue-tracking infrastructure essential for the entire program.

This role is ideal for someone eager to build broad compliance expertise at a fast-growing fintech. Your work directly shapes the program, supporting Yendo's mission to operate as a trusted financial institution. You'll work closely with the CMS Compliance Manager and broader compliance team, ensuring key program documentation is current, issues are escalated appropriately, and regulatory requirements are consistently met.

Responsibilities

• Perform compliance testing across key program areas, including scoping tests, executing procedures, documenting findings and observations, and tracking corrective actions to closure
• Support regulatory exam and audit management, organizing documentation, tracking examiner or auditor requests, and preparing responses and management action plans
• Maintain and update compliance program documentation, including policies, procedures, control inventories, and issue logs, keeping records current and audit-ready
• Conduct and document transaction monitoring reviews, investigating alerts, preparing suspicious activity report (SAR) referrals, and escalating activity requiring further review
• Track open compliance issues and corrective action plans, coordinating with business stakeholders to drive timely closure
• Pitch in across the compliance program where needed, contributing to tasks of varying sizes to keep us compliant

What We Need

• Minimum 2–4 years of relevant compliance experience at a bank, fintech, or MSB, with exposure to BSA/AML and/or CMS functions (testing, audit support, issue management)
• Familiarity with BSA/AML requirements, including CIP/KYC, transaction monitoring, SARs, and OFAC screening, alongside CMS components such as compliance testing, issue management, and exam support
• Working knowledge of core consumer financial regulations (TILA/Reg Z, ECOA/Reg B, UDAAP) and how they apply in a credit card context
• Detail-oriented and organized, with the ability to manage multiple open items simultaneously without letting things fall through the cracks
• Clear written communication skills — you'll be drafting testing workpapers, escalation memos, and documentation that others will rely on
• Comfortable operating in a fast-paced environment where processes are still being built — you're a contributor, not just a follower
• Collaborative and low-ego — you work well with colleagues across departments and aren't afraid to ask questions
• Valuable additional qualifications could include: Prior experience at a fintech or bank-fintech partnership model, Familiarity with compliance management systems or GRC tools, CAMS certification or progress toward it, College degree in finance, business, criminal justice, or related field, Interest in growing into a broader compliance role over time, Some comfort with data or spreadsheet-based analysis

Why Join Us

• Make a real impact to the lives of our customers. 💳 100 million Americans lack access to sustainable credit and are forced to use predatory loans. Think 500%+ APR alternative financing options such as Auto Title, Payday, Pawn, and Personal Loans. Each year almost 25% of adults are excluded from the mainstream credit system, severely inhibiting their chances of accessing affordable borrowing, getting a mortgage, or even an auto loan.
• Our executive team has multiple exits under their belts, having founded $100M+ revenue companies. Additionally, many executives have held leadership roles at public companies and unicorn startups alike.
• We are backed by leading VCs, accomplished entrepreneurs, respected philanthropists, and founders from across the U.S. Our backers are the minds and investors behind the success of the Apple Card, Brex, Dave, Scribd, Parse, Canva, Robinhood, Flexport, Gusto, Reddit, Notion, LinkedIn, among others.
• Yendo is based in Dallas, Texas with a nationwide team. This role is in our office in the Deep Ellum area of Dallas.
• Competitive Compensation 📈 Equity 🍎 Insurance 📊 401K 🏝 Unlimited PTO
• Our core values: Customers are our compass - We prioritize our customers' needs in every decision, guiding our work to solve real problems and create meaningful solutions. Trust is earned, not assumed - We communicate openly, honestly, and with humility, earning trust through integrity and clarity in all interactions. Diverse perspectives, stronger outcomes - We serve diverse customers and believe that different perspectives make us stronger. Embrace Growth Together - We are drivers, we move with urgency, and we strive for excellence in everything we do. Own every outcome - Rooted in expertise and creativity, innovation is at our core. Courage to challenge - Low ego, coaching, and mutual respect are the foundation of our teamwork.