Consumer Compliance Analyst

About the Role

The Compliance team at Plaid is dedicated to ensuring that the company operates within the bounds of its legal obligations and internal policies. As a Consumer Compliance Analyst, you will be at the forefront of this effort, working closely with business stakeholders to build processes and systems that demonstrate Plaid's commitment to compliance. Your expertise will be essential in helping the company navigate the complex regulatory landscape of the financial sector.

Plaid's network covers over 12,000 financial institutions across the US, Canada, UK, and Europe, making it a leader in the fintech industry. As a Consumer Compliance Analyst, you will have the opportunity to work with a talented team of professionals who are passionate about empowering financial transformation. Your work will be supported by a company that values innovation, collaboration, and consumer-centricity.

What You Will Do

• Review escalated consumer complaints, ensuring timely and accurate resolution with a consumer-first approach grounded in empathy and transparency
• Screen complaints for potential regulatory and legal risks and escalate as appropriate
• Conduct quarterly sample testing of non-escalated consumer inquiries to verify correct categorization and handling by the Consumer Support team
• Analyze complaint trends and root causes to identify systemic issues, partnering with product, engineering, operations, and legal to implement preventative solutions
• Prepare and deliver regular reporting on complaint performance, insights, and key metrics to senior leadership and stakeholders
• Support quarterly complaint reporting to the Board's Audit and Risk Committee (ARC) and partner banks
• Build and maintain relationships with compliance counterparts at Plaid's customers
• Manage bi-weekly office hours for Consumer Support to address real-time compliance questions
• Run calibrations with the Consumer Support team to identify training gaps and ensure alignment with internal policies and procedures

What We Are Looking For

• 4-6 years of experience in Compliance, Legal, Risk, or a related function in a regulatory or consumer-facing environment
• Experience in Fintech and consumer-focused financial products, preferred
• Deep understanding of consumer protection regulations and industry best practices (e.g., UDAAP, CCPA, GDPR, TILA, EFTA), preferred
• Exceptional written and verbal communication skills, with the ability to prepare clear regulatory summaries and executive-level reporting
• Strategic mindset with the ability to balance compliance requirements, risk considerations, and consumer experience
• Proven ability to collaborate with technical teams, Marketing/Communications, Account Owners, and other cross-functional partners to advance compliance initiatives
• Strong analytical capabilities and problem-solving skills, including trend identification, root-cause analysis, and transforming data into actionable recommendations
• Self-motivated with a strong sense of ownership
• Experience building or improving complaint taxonomy/classification systems
• Experience working with partner banks or in a B2B environment

Nice to Have

• Certification in compliance or a related field (e.g., CCEP, CIPP)
• Experience with compliance management systems and tools
• Familiarity with Plaid's products and services
• Knowledge of emerging trends and technologies in the fintech industry

Benefits and Perks

• Competitive salary and equity package
• Comprehensive health, dental, and vision insurance
• Flexible PTO and remote work arrangements
• Access to a 401(k) plan and match
• Professional development opportunities and training
• Collaborative and dynamic work environment
• Recognition and rewards for outstanding performance
• Opportunities for career growth and advancement
• Access to the latest tools and technologies in the fintech industry
• A chance to work with a talented team of professionals who are passionate about empowering financial transformation
• A culture that values innovation, diversity, and inclusion

• Develop a strong understanding of consumer protection regulations and industry best practices to stand out as a candidate.
• Highlight your experience working with cross-functional teams, including technical, marketing, and compliance stakeholders.
• Be prepared to provide specific examples of your analytical and problem-solving skills, including trend identification and root-cause analysis.
• Show a willingness to learn and adapt to new technologies and trends in the fintech industry.
• Prepare to discuss your experience with compliance management systems and tools, and how you have used them to drive compliance initiatives.
• Research Plaid's products and services, and be prepared to discuss how you can contribute to the company's mission and values.
• Tailor your resume and cover letter to the specific requirements of the role, highlighting your relevant skills and experience.