Compliance Analyst

Array is a financial innovation platform that helps digital brands, financial institutions, and fintechs get compelling consumer products to market faster. We deliver a suite of credit and identity monitoring tools, privacy protection, and a financial ads marketplace via embeddable widgets or a clean, modern API.  Our private label offerings help drive revenue and increase engagement for our customers while empowering millions of consumers to achieve their financial goals.

As a remote-first company, we’re focused on providing opportunities for high performing individuals to have deep impact in the fast growing fintech space. A clear mission, a commitment to continuous improvement and a willingness to experiment empower us individually and together deliver the best products for our clients and users.

As a Compliance Analyst at Array, you will help support and enhance the Company’s Compliance Management Program by partnering with business teams, reviewing products and marketing materials, conducting compliance monitoring activities, and helping identify and mitigate regulatory risk. This role is ideal for a compliance professional who enjoys working cross-functionally and wants exposure to a broad range of fintech, consumer protection, credit reporting, privacy, and sponsor bank compliance topics.

This role reports to the Head of Compliance.

• Assist in the execution of Array’s Compliance Management Program and related policies, procedures, and controls.
• Conduct compliance reviews of marketing materials, consumer-facing content, disclosures, websites, customer journeys, and communications.
• Support compliance reviews of new products, features, client use cases, and third-party relationships.
• Perform compliance monitoring and testing activities to assess adherence to regulatory requirements and internal policies.
• Assist with consumer complaint investigations, root cause analysis, trend reporting, and remediation efforts.
• Support regulatory change management efforts by tracking and evaluating new laws, regulations, and supervisory guidance.
• Partner with Product, Marketing, Client Success, Operations, Engineering, Legal, and Information Security teams to identify and mitigate compliance risks.
• Assist with client due diligence reviews and ongoing oversight activities.
• Maintain compliance documentation, risk assessments, issue logs, corrective action plans, and supporting evidence.
• Prepare reports and presentations for management, committees, and internal stakeholders.
• Support sponsor bank, credit bureau, and third-party compliance obligations as needed.
• Research and analyze applicable laws and regulations including FCRA, FACTA, UDAAP, CAN-SPAM, GLBA, ECOA, Reg E, Reg Z, SCRA, and privacy requirements.
• Help drive a culture of compliance by providing practical guidance and support to business partners.
• Maintain a habit of using AI tools to think, build, and ship faster—it’s your default, not an afterthought.

• 5+ years of compliance, risk management, audit, legal, financial services, fintech, banking, consumer finance, or related experience.
• Working knowledge of consumer protection regulations, including some combination of:
• Fair Credit Reporting Act (FCRA)
• UDAAP
• CAN-SPAM
• GLBA / Privacy
• ECOA / Reg B
• Reg E
• Reg Z
• SCRA
• Strong analytical, investigative, and problem-solving skills.
• Excellent written and verbal communication skills with the ability to explain regulatory concepts to non-compliance audiences.
• Experience reviewing consumer-facing communications, disclosures, marketing materials, or customer journeys.
• Strong organizational skills with the ability to manage multiple projects simultaneously.
• Comfort working independently in a fast-paced, remote environment.
• Proficiency with Google Workspace, Microsoft Office, Jira, Confluence, or similar business tools.
• A collaborative mindset and ability to build strong relationships across teams.
• A belief that AI is reshaping work, you instinctively use it to accelerate everything you do.

• Experience supporting a fintech, sponsor bank program, Consumer Reporting Agency (CRA), reseller, or financial institution. 
• Experience with compliance monitoring, testing, audits, or risk assessments. 
• Familiarity with CFPB expectations and Compliance Management Systems (CMS). 
• CRCM, CCEP, CAMS, CFCS, or similar certification (or pursuit of certification). 
• Experience working with credit reporting, identity, privacy, or embedded finance products.