Sr Operational Risk & Compliance Specialist

Gen • Tempe, AZ

1d

About The Position

At MoneyLion, we’re re-imagining banking to deliver fast, fair, and secure digital experiences. As Sr Operational Risk & Compliance Specialist, you will guard our members’ financial trust, reinforce regulatory integrity, and fuel continuous improvement by turning complex investigations into true insights. Your work protects the customer, strengthens our controls, and drives meaningful automation.

Requirements

• 2-4+ years managing disputes (with Reg E focus) within a bank, fintech, or issuer-processor; familiarity with ACH/Nacha return codes and issuer-network flows (Visa/MC) is a significant plus.
• Proficiency with case-management tools, chargeback networks and CRMs (e.g., Kustomer, Zendesk, ServiceNow) and creditor/issuer portals.
• An automation mindset: you’ve helped optimize workflows using rules, RPA, or ops tooling and can quantify improvements.
• Experience designing QA programs, evidence standards, or control-testing frameworks for disputes.
• Excellent written communication skills: you craft member notices that are clear, accurate, empathetic—and on time.

Nice To Haves

• Relevant certifications (CRCM, CFE, CAMS) or specific training around Nacha/issuer dispute flows.
• Exposure to other applicable consumer regulatory requirements (TILA, ECOA, FCRA, UDAAP) considerations in edge-case dispute handling.
• Data fluency: you can write basic SQL, build dashboards, and tell a story with data.

Responsibilities

• High level oversight of investigations and adjudications of Reg E disputes across ACH, P2P, and debit card (fraud & non-fraud) transactions: gathering evidence, determining liability, issuing decisions/credits, and communicating clearly with members.
• Manage statutory timelines: Spot check and audit trigger notices, escalated appeals, ensure documentation paths are clear and traceable.
• Own complaint reporting: produce monthly packs covering volume, severity, root-cause, CX/UDAAP risk, member impact, and time-to-close—complete with actionable recommendations for Product, Fraud, partners, and Compliance.
• Automate & instrument: Automation & Instrumentation Support automation and tooling initiatives by contributing to business requirement documentation (BRDs) for workflow and rule enhancements (e.g., auto-triage by transaction type or claim pattern).
• Collaborate with analytics partners to help design and refine dashboards (Looker/Mode/Tableau/Snowflake) and validate performance trends through SQL-based insights.
• Partner with Engineering and Ops Engineering teams to recommend and prioritize high-impact automations, ensuring strong control frameworks and alignment with agent and customer experience goals.
• Strengthen controls: document procedures, define evidence standards, build QA sampling and audit-trail practices aligned with MoneyLion’s Compliance Management System (CMS); actively support internal audits and regulator inquiries.
• Collaborate cross-functionally: engage Customer Care, rust & Safety/Fraud, Legal/Compliance, Product to close loops and prevent recurrence (for example, merchant-category spikes or device-signal anomalies).

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed