<p>Who We Are</p> <p>Cross River is a highly profitable, fast-growing financial technology company powering the future of financial services. Our comprehensive suite of innovative and scalable embedded payments, cards, and lending products deliver financial services for millions of businesses and consumers around the globe. Cross River is backed by leading investors and serves the world's most essential fintech and technology companies. Together with its partners, Cross River is reshaping global finance and financial inclusion.</p> <p>We are on a mission to build the infrastructure that propels access, inclusion, and the democratization of financial services. While our company has tripled in size over the last three years, our strong sense of purpose led Cross River to be named to American Banker's list of Best Places to Work in Fintech for the last 6 years. The reason for this success is simple - our nimble and collaborative family culture lives in every member of our growing team. Together we are at the forefront of technology and innovation, and we invite passionate, collaborative, and motivated high performers to join our expanding team.</p> <p>What We're Looking For</p> <p>Cross River Bank is seeking a detail-oriented, organized individual for the Analyst, Consumer Compliance, Fair & Responsible Banking, Fair Lending. The position will assess and evaluate fair lending performance of the Bank's third-party Partners, perform transactional testing, identify and resolve control deficiencies, and execute remediation plans. The Fair & Responsible Banking Data team primarily focuses on integrating FinTech products into an API by conducting sandbox and production testing. Additionally, the team assists with performing statistical analysis and transaction reviews to determine Fair Lending risks associated with the Bank and its FinTech partners in underwriting and pricing.</p> <p>Responsibilities:</p> <ul> <li>Review Fintech partner policies and procedures in depth and build a data dictionary field list following the Bank's procedures with all the stated and interpreted critical data elements (CDE) mentioned in the documentation. </li><li>Ability to understand Fintech partner products, models, policies, procedures, application flow, and systematical flow. </li><li>Succinctly and clearly communicate intricate fact patterns to others by understanding complex business models that involve multiple products, investor programs, and tri-party banking relationships. </li><li>Lead the technical and compliance API integration process for new and existing partners, ensuring all CDE's are captured, and the Partner's specific API call logic is mapped using their application systematical flow. </li><li>Obtain and analyze data from multiple sources by reviewing several API databases, data science reports, JSON scripts, and application source documentation. </li><li>Work closely with Data Science and Product to write rules for marginal loan analysis using Partner underwriting and pricing criteria. </li><li>Work with Fintech partners to communicate all identified data observations and document responses. Manage the data remediation from Fintech partners in the API and/or data tapes. </li><li>Manage data quality testing schedules to ensure all tasks and reporting are completed within established timeframes. </li><li>Work closely with Data Science, Product, Engineering, and IT to continuously enhance the API framework by identifying bugs, automations, and validation rules. </li></ul> <p>Qualifications:</p> <ul> <li>Bachelor's degree in a financial field (e.g. Finance, Accounting, Statistics, Economics) required. </li><li>3+ years industry experience in finance/banking with knowledge of credit underwriting for products such as consumer, commercial, installment, revolving, and credit cards. </li><li>Proficiency in data analysis tools and techniques, with the ability to perform analyses using software such as Excel. </li><li>Excellent communication skills, with the ability to effectively convey complex information to both technical and non-technical audiences. </li><li>Ability to work independently to produce high quality work products. </li><li>Demonstrate strong problem-solving, conceptual, written, verbal, and attention to detail skills. Ability to collaborate with internal and external stakeholders. </li><li>Maintain strong time management, organizational, and prioritization skills; ability to complete multiple concurrent tasks within close deadlines with a high degree of accuracy and detail. </li><li>Quickly learn project and change management tools (e.g. monday.com, Jira, Confluence, SharePoint). </li><li>Understanding of U.S. Fair Lending and Fair Banking-related laws and regulations, including, but not limited to, the Equal Credit Opportunity Act (ECOA/Reg B), Unfair, Deceptive and Abusive Act and Practices (UDAAP), and the Fair Housing Act (FHA). </li></ul> <p>Preferred Qualifications:</p> <ul> <li>Technical experience at a level where you can enable client troubleshooting, specifically using API UI's, Swagger, and Postman. </li><li>Skilled in sending requests to APIs and analyzing the responses. Ability to read and interpret JSON scripts, SQL queries, etc. </li><li>1+ year experience working for a FinTech in a high-paced environment. </li><li>1+ year experience in conducting fair lending statistical analysis for a bank. </li><li>HMDA or CRA data scrubbing and reporting. </li><li>Demonstrate an understanding of testing methodology, business processes, control frameworks, and related regulatory and compliance standards. </li></ul> <p>#LI-JJ1 #LI-Hybrid #LI-Onsite</p> <p>Salary Range: $90,000.00 - $110,000.00</p> <p>Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.</p> <p>By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.</p>