Job Description

Compliance Testing Specialist

Headquartered in Atlanta, Georgia, GreenSky is a leading U.S. financial technology company Powering Commerce at the Point of Sale® for a growing ecosystem of merchants, consumers, and banks. Our highly scalable, proprietary, and patented technology platform enables merchants to offer frictionless promotional payment options to consumers at the point-of-sale, driving increased sales volume and accelerated cash flow. Banks leverage our technology to provide loans to super-prime and prime consumers nationwide. Since our inception, over five million U.S. consumers have financed more than $50 billion in commerce through our paperless, real time “apply and buy” technology. For more information, please visit https://www.greensky.com.

Position:  Compliance Testing Specialist

Organizational:  This position reports to the VP, Compliance Testing.

Overview: GreenSky is one of the fastest growing financial technology companies in America.  We make it easy for businesses of all sizes to offer credit to their customers with a fast and paperless solution. Servicing billions of dollars of loans, GreenSky is quickly changing the consumer credit marketplace.  We have a great and quickly growing team and backed by some of the leading investors in the world.

Our corporate headquarters is located in the financial technology hub of Atlanta, GA

YOUR IMPACT 

Are you passionate about consumer lending and compliance?  We’re looking for a detailed-oriented and experienced compliance monitoring associate to join our consumer legal and compliance team.  As the successful candidate, you will focus on performing a series of reviews for policy  and regulatory adherence and reporting on any findings of such reviews with management. This position is a member of the Legal and Compliance Department.

OUR IMPACT 

Our Legal and Compliance team partners with all functional areas of the consumer lending business to advise on business strategy, develop compliant processes within the business, implement compliance processes, systems, and digital tools for identifying, measuring, and mitigating risk and report on the status of such risk.  From day one you will be an important part of building a robust compliance management system for our consumer lending program. 

HOW YOU WILL FULFILL YOUR POTENTIAL 

• Support execution of our compliance management system (“CMS”) for consumer lending policies, procedures, and processes, focusing on consumer-facing processes
• Execution of defined monitoring and testing projects as prescribed in the Legal and Compliance annual monitoring plan.
• Develop, implement, and execute compliance testing or monitoring procedures.
• Reviews, appraises, and monitors internal controls around key business processes to ensure compliance with regulatory requirements.
• Perform periodic reviews of business processes, including agent performance within functional business units, to determine effectiveness of internal controls and procedures.
• Identify compliance risks associated with business processes and practices.
• Work closely with various business partners to ensure functional business units are calibrated to compliance requirements.
• Prepare summary or results for reporting to management in Legal and Compliance and the business functions.
• Effectively communicates, both verbally and in writing, monitoring results, including control weaknesses and remediation plans.
• Present on compliance program to senior management, committees and regulators.

Basic Qualifications

• 5 years of compliance testing, internal audit, risk management, operations, or legal experience in financial services
• Bachelor's degree or equivalent military experience
• Knowledge of applicable federal and state consumer lending laws and regulations as well as industry association standards, including, among others, Truth in Lending Act (Reg Z), Equal Credit Opportunity Act (Reg B), Fair Credit Reporting Act (Reg V), UDAAP, Gramm-Leach-Bliley Act (Reg P), and the Fair Debt Collections Practices Act
• Must be self-directed, organized, positive, driven, detail-oriented, and effective in a fast-paced, changing environment.
• Proficiency in compliance testing methodologies and audit procedures.
• Knowledge of risk assessment and internal control principles.
• Ability to quickly grasp new complex concepts and regulations.
• Ability to identify opportunities for process improvements.
• Ability to work independently and be team-oriented.
• Strong work ethic 

Preferred Qualifications

• Experience advising on servicing, origination or marketing of consumer loan products.
• Experience utilizing quantitative data analysis techniques.
• JD, CRCM or CIA certification a plus
• Previous IT Audit or Big 4 accounting firm experience.
• Minimum three years of experience, with a strong understanding of commercial focused financial businesses