Job description
About OnePay
OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.
Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:
Checking and high-yield savings accounts
Domestic and international peer-to-peer payments
Credit Builder and credit score monitoring
Digital wallet / contactless payment solutions
Buy-now-pay-later installment loans at Walmart
Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.
There’s never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!
Key Responsibilities
1. Policy Development and Implementation
Design, implement, and update compliance policies and procedures to ensure alignment with regulatory requirements.
Maintain an effective compliance program tailored to the firm’s size, scope, and activities.
2. Regulatory Oversight
Serve as a point of contact for FINRA, SEC, and other regulatory bodies.
Prepare for and manage regulatory examinations, audits, and inquiries.
Maintain up-to-date knowledge of applicable laws, rules, and regulations and advise senior management of key developments.
3. Supervisory and Risk Management Functions
Perform and oversee supervisory reviews, including trade surveillance, electronic communications monitoring, and other supervisory functions.
Identify potential compliance risks and develop strategies to mitigate them.
Conduct internal audits and compliance testing to assess the firm’s adherence to policies and regulations.
4. Training and Stakeholder Collaboration
Develop and deliver compliance training programs to staff at all levels.
Partner with internal stakeholders, including legal, operations, and business units, to provide compliance guidance and ensure effective communication.
Advise senior management on compliance issues and participate in strategic decision-making.
5. Documentation and Reporting
Maintain accurate records of compliance activities, including policies, supervisory procedures, and audit findings.
Prepare compliance reports for senior management and the board of directors.
File regulatory reports and disclosures in a timely and accurate manner.
You bring
Required:
Bachelor’s degree in finance, business, law, or a related field.
Minimum of 5-7 years of compliance experience in a broker-dealer or financial services environment.
FINRA Series 7 and 24 licenses
Strong knowledge of FINRA and SEC rules and regulations.
Demonstrated ability to build and manage compliance policies, procedures, and programs.
Excellent communication skills, with the ability to interact effectively with regulators and internal stakeholders.
Preferred:
Experience with risk management and supervisory processes.
Proven ability to work in a fast-paced, startup environment.
Key Attributes:
Strategic thinker with a detail-oriented approach.
Self-starter with strong organizational and multitasking abilities.
Collaborative mindset with strong interpersonal skills.
What We Offer
Competitive base salary, stock options, and health benefits from Day 1
401(k) plan with company match
Remote-friendly (US), flexible time off (FTO), and opportunities for growth
A high-growth, mission-driven, inclusive culture where your work has real impact
Pay Transparency
The estimated annual base salary for this position ranges from $140,000 to $160,000. Pay is generally based upon the level, complexity, responsibility, and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.
What it’s like working @ One
Hybrid work model in our Wilmington, Delaware office
Competitive cash
Benefits effective on day one
Early access to a high potential, high growth fintech
Generous stock option packages in an early-stage startup
Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave
401(k) plan with match
Standard Interview Process
Initial Interview with Talent Partner
Technical or Hiring Manager Interview
Team Interview
Executive Interview
Offer!
Equal Employment Opportunity
To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at [email protected].
