Compliance Manager

Hybrid role in Atlanta, US

Role Overview 🚀

We are seeking a highly skilled and experienced Compliance Officer with expertise in business banking regulations in the USA to join our team. The ideal candidate will be responsible for ensuring compliance with all relevant laws, regulations, and industry standards, particularly those pertaining to business banking operations. This role requires a deep understanding of regulatory requirements, excellent analytical skills, and the ability to build and maintain strong relationships with bank partners.

About Uncapped

Founded in 2019, Uncapped is the fastest, most affordable way for growing online businesses to fund marketing and inventory. The company was born out of frustration with the limited financing options available for UK and European entrepreneurs to finance growth.

Uncapped provides working capital loans to small to medium size businesses with brands and retailers around the world, doing between $10m and $100m in turnover.

Uncapped has raised VC funding from most notable investors including Lakestar, Mouro Capital, Global Founders Capital, White Star Capital, Seedcamp, and All Iron Ventures.

What you will do ✍️

1. Compliance Oversight:

• Develop, implement, and maintain comprehensive compliance programs and policies related to business banking operations, predominantly for our US business.
• Monitor and assess compliance risks associated with business banking activities, including but not limited to lending, collections and transactional services.
• Conduct regular audits and reviews to ensure adherence to regulatory requirements and internal policies.
• Stay abreast of changes in relevant laws, regulations, and industry standards, and advise management on necessary actions to maintain compliance.

• Serve as the primary point of contact for bank partners regarding compliance matters.
• Foster strong relationships with bank partners and collaborate effectively to address compliance issues and concerns.
• Coordinate compliance-related communications and initiatives with bank partners, ensuring alignment with regulatory requirements and business objectives.
• Conduct periodic meetings and reviews with bank partners to evaluate compliance performance and address any identified gaps or areas for improvement.

• Identify potential compliance risks and vulnerabilities within business banking operations and develop strategies to mitigate them.
• Conduct risk assessments and recommend corrective actions to address identified deficiencies.
• Provide guidance and support to business units to ensure compliance with risk management policies and procedures.

• Develop and deliver compliance training programs for employees involved in business banking activities.
• Provide ongoing education and guidance to staff on compliance requirements, best practices, and emerging issues.
• Foster a culture of compliance awareness and accountability throughout the organization.

Requirements

Who you are 👀

• Bachelor's degree in Business Administration, Finance, Law, or related field (Master's degree preferred).
• Minimum of 5 years of experience in compliance roles within the banking or financial services industry, with a focus on business banking regulations.
• Strong understanding of relevant lending regulatory frameworks, including but not limited to BSA/AML, KYC, Regulation B, Regulation E, Regulation Z, ECOA and FCRA.
• Proven track record of successfully managing compliance programs and initiatives.
• Excellent analytical, problem-solving, and decision-making skills.
• Exceptional communication and interpersonal skills, with the ability to effectively engage with internal and external stakeholders.
• Professional certifications such as Certified Regulatory Compliance Manager (CRCM) or Certified Anti-Money Laundering Specialist (CAMS) are highly desirable.

Benefits

What we offer 🎁

At Uncapped, our people make us successful. We are a start-up with big goals, and we work hard, so we want to give everyone the benefits they really want. We are continually adding to this list as new people join -- here are some of the things you can expect:

• Unlimited holiday: we believe that well-rested and happy people make the best employees
• Competitive compensation plan
• Personal growth fund: Raise your game from great to spectacular
• Monthly recognition and awards: Celebrate wins big and small
• The opportunity to make a big impact every day on the lives of European and US entrepreneurs.
• Optional workspaces in Warsaw, London and Atlanta

We can only consider applications from candidates who are eligible to work in the USA without requiring visa sponsorship.