Senior Compliance Officer, Credit Card business

About the role

Wells Fargo is seeking a Senior Compliance Specialist to join the Unsecured Lending Compliance Team within Consumer Banking & Lending Compliance. This business aligned role provides independent compliance oversight and advisory support to the Credit Card business. The Senior Compliance Specialist will partner with business, risk, legal, and control teams to identify and manage compliance risk across product development, originations, rewards, pricing, and other strategic initiatives. The Credit Card business offers a broad range of consumer and business products and services, including cash back rewards, travel rewards, balance transfer products, and digital payment capabilities. The role provides risk-based guidance, effective challenge, and ongoing oversight to help ensure compliance with applicable laws, regulations, and company policies while enabling responsible business growth. Job locations: Three Wells Fargo Center, 401 S Tryon St, Charlotte, NC; 600 Wells Fargo, Minneapolis, 600 S 4th St, Minneapolis, MN; West Des Moines Campus, 800 S Jordan Creek Pkwy, West Des Moines, IA; Las Colinas Bldg B, Irving Campus, IRVING, TX; D Building, 114 N Beaumont St - D Bldg., Saint Louis, MO; 1150 W Washington, Tempe, AZ.

Responsibilities

• Serve as a trusted compliance advisor to the Credit Card business by researching and analyzing regulatory requirements, providing risk-based guidance, and translating complex compliance obligations into actionable business solutions.
• Provide independent compliance oversight and advisory support across the credit card lifecycle, including product development, originations, rewards, pricing, marketing, customer communications, and strategic business initiatives.
• Research, analyze, and assess the applicability of laws, regulations, regulatory guidance, and company policies to business activities, and provide practical recommendations that balance compliance risk with business objectives.
• Monitor and analyze new and evolving regulatory requirements, enforcement actions, industry developments, and emerging risks to assess impacts and recommend appropriate business actions.
• Partner with business, risk, legal, and control teams to identify, assess, and mitigate compliance risks and integrate compliance considerations into business strategies and decision-making.
• Conduct compliance risk assessments and provide recommendations to address identified risks, control gaps, emerging risks, and regulatory expectations.
• Provide effective challenge and oversight for new products, product modifications, operational changes, customer-facing experiences, and strategic initiatives to help ensure regulatory requirements and customer considerations are appropriately addressed.
• Support regulatory change management activities by assessing business impacts, identifying