We made a money+ app that gives everyone high-end rewards on every payment. Fluz aims to disrupt the payment experience by making it more social. Positioned at the intersection of social media, payments, and rewards, we are a fast-moving FinTech company experiencing significant growth. We sponsor H1B work visas.

We are seeking a hands-on Sponsor Bank Compliance Specialist to be the day-to-day compliance contact for our sponsor and partner banks. Think of this role as an account manager whose accounts are banks: answer bank questions, keep each bank’s picture of our programs complete and current, and get marketing and launches submitted and approved on time. You have worked on either side of a sponsor bank / BaaS relationship and can keep several banks, approval queues, and deadlines moving at once.

What you will do

• Be the point of contact for each bank
  • Answer questions from each sponsor bank quickly, accurately, and completely.
  • Coordinate responses to bank RFIs, due diligence requests, questionnaires, and escalations, pulling information from Compliance, Risk, Product, Finance, and Legal.
  • Prepare for and join recurring program reviews with each bank, and track action items through to closure.
  • Raise issues with banks early, explain context, and follow through on commitments.
• Keep banks informed about our programs
  • Maintain an up-to-date inventory of every program, product, and use case running at each bank, including card programs, money movement, and Platform clients.
  • Notify banks of new programs, product changes, new partners or clients, and material changes in volume or risk profile, in line with each bank’s notification and approval requirements.
  • Prepare periodic program reporting for banks, such as volumes, complaints, disputes, compliance metrics, and issue logs.
  • Track each bank’s agreement requirements, oversight expectations, and deadlines, and follow up with internal teams so they are met.
• Bank approvals for marketing and launches
  • Review marketing materials, website and app content, disclosures, cardholder terms, emails, social posts, and partner co-marketing for UDAAP, Reg E, Reg Z, network rules, and bank-specific requirements, and work with Marketing and Legal to fix issues.
  • Submit materials to each bank for approval and follow them through to a decision.
  • Submit new products, features, programs, and client onboarding for bank approval before launch.
  • Keep a record of every submission, approval, condition, and expiry by bank so we can show what was approved, when, and by whom.
• Support oversight and exams
  • Support bank oversight reviews, audits, and onsite visits by gathering evidence and drafting responses.
  • Track bank findings, remediation items, and corrective action plans through to closure.
  • Partner with the Audit & Policy Specialist to keep policies and controls aligned with each bank’s requirements.

Qualifications

• 4+ years of experience in fintech or bank compliance, BaaS program management, bank partnerships, or a related role.
• Direct experience working with sponsor banks or as part of a bank’s fintech / BaaS oversight team.
• Working knowledge of AML/BSA, UDAAP, Reg E, Reg Z, card network rules, and marketing / advertising review.
• Comfortable working directly with bank compliance and program teams.
• Excellent written communication, including clear and accurate responses to regulator-style questions.
• Highly organized, with a track record of handling many parallel requests, approvals, and deadlines.

Preferred Qualifications

• Experience with card issuing, prepaid, gift card, or embedded finance programs.
• Experience with marketing compliance review and approval workflows.
• Experience supporting bank oversight reviews or regulatory exams.
• CRCM, CAMS, or other relevant certification.

Core Competencies

• Relationship management
• Clear, accurate communication
• Organization and follow-through
• Regulatory judgment
• Cross-functional coordination
• High integrity and discretion

Industry

• FinTech
• Mobile Applications

EEOC

All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

About Fluz

Fluz is a collaborative earning app that maximizes your money. Get cashback on everyday spends, earn even more by growing your circle, and make and receive payments with friends. Easy to join and free from hidden fees forever, Fluz gives you so many ways to make what you have go even further.