Lead Compliance Analyst, Money

Our mission is to democratize finance for all. An estimated $124 trillion of assets will be inherited by younger generations in the next two decades—the largest transfer of wealth in human history. If you’re ready to be at the epicenter of this historic cultural and financial shift, join us in building the future of finance.

About the team + role

We are building an elite team, applying frontier technologies to the world’s biggest financial problems. We’re looking for bold thinkers, sharp problem-solvers, and builders who are wired to make an impact. Robinhood isn’t a place for complacency; it’s where ambitious people do the best work of their careers. We’re a high-performing, fast-moving team with ethics at the center of everything we do. Expectations are high, and so are the rewards.

The compliance team supporting Robinhood’s credit card products and money transmitter (for Robinhood Credit, Inc., and Robinhood Money, LLC) is dedicated to ensuring robust regulatory compliance across all financial offerings. Our team's mission is to establish and maintain a strong compliance management system that supports compliant product growth and operational excellence. We partner closely with Product, Operations, Legal, and Risk to integrate regulatory requirements seamlessly into our financial platforms. Our team thrives on collaboration, proactive risk management, and a commitment to protecting our customers while supporting business goals.

As Lead Compliance Analyst, you will play a critical role in ensuring that Robinhood embeds regulatory compliance for its current products, including the debit card, spending account, and credit cards, as well as future products. You will participate in multiple compliance functions to support the administration of our compliance management system. This role is based in our Menlo Park, CA; New York City, NY; or Washington DC office(s), with in-person attendance expected at least 3 days per week. At Robinhood, we believe in the power of in-person work to accelerate progress, spark innovation, and strengthen community.

Responsibilities

• Provide compliance guidance on new products, features, and process changes to ensure adherence to applicable banking and consumer lending regulations.
• Review marketing materials, customer communications, and disclosures for regulatory compliance.
• Review and coordinate responses to regulatory agency and escalated customer complaints.
• Perform quality assurance reviews of Reg Z (credit card) and Reg E (deposit) disputes to ensure regulatory compliance and operational consistency.
• Coordinate due diligence requests and ongoing compliance activities with sponsor banks and other third-party partners.
• Assist in the development, maintenance, and implementation of compliance policies, procedures, and training materials.
• Support internal audits, sponsor bank reviews, and regulatory examinations, including issue tracking, remediation, and response preparation.
• Partner with Product, Operations, Legal, Risk, Marketing, and Engineering teams to build compliant customer experiences.

Requirements

• Bachelor's degree in Business, Finance, Accounting, Economics, or a related field (or equivalent experience).
• 5–7 years of compliance experience supporting consumer banking, credit cards, consumer lending, or other regulated financial products.
• Strong working knowledge of consumer financial regulations, including Regulation Z, Regulation E, UDAAP, FCRA, ECOA/Reg B, and related banking regulations.
• Experience reviewing marketing materials, customer communications, and product launches from a regulatory compliance perspective.
• Experience supporting complaint management, audits, and regulatory examinations.
• Excellent written and verbal communication skills with the ability to influence partner teams (Product, Legal, Operations, and Risk).
• Strong analytical, organizational, and problem-solving skills with the ability to manage multiple priorities and meet key regulatory deadlines.
• Proven ability to assess and manage compliance risks for novel or undefined financial features, translating evolving regulatory guidance into clear, actionable requirements for product teams.
• Self-motivated and collaborative, with a drive to build compliant, customer-focused financial products.
• Ability to view Compliance as a strategic business partner that supports new product development while effectively managing regulatory risk.

Benefits

• Challenging, high-impact work to grow your career.
• Performance-driven compensation with multipliers for outsized impact, bonus programs, equity ownership, and 401(k) matching.
• Best-in-class benefits including 100% paid health insurance for employees with 90% coverage for dependents.
• Lifestyle wallet—a highly flexible benefits spending account for wellness, learning, and more.
• Employer-paid life & disability insurance, fertility benefits, and mental health benefits.
• Time off to recharge including company holidays, paid time off, sick time, parental leave, and more.
• Exceptional office experience with catered meals, events, and comfortable workspaces.

Pay

In addition to the base pay range listed below, this role is also eligible for bonus opportunities, equity, and benefits. Base pay for the successful applicant will depend on a variety of job-related factors, including education, training, experience, location, business needs, or market demands. The expected base pay range is based on the location where the work will be performed and is aligned to one of 3 compensation zones:

• Zone 1 (Menlo Park, CA; New York, NY; Bellevue, WA; Washington, DC): $115,000 - $135,000 USD
• Zone 2 (Denver, CO; Westlake, TX; Chicago, IL): $101,000 - $119,000 USD
• Zone 3 (Lake Mary, FL; Clearwater, FL; Gainesville, FL): $89,000 - $105,000 USD

Schedule

This role is based in-office with in-person attendance expected at least 3 days per week.