Job Location: Remote Position (Hybrid if Local) 

(Hiring early 2025) 

Are you EPIC?
Do you have the ability to demonstrate, understand and apply HFD’s core purpose and values in all that you do? At HFD our core purpose is to help the underserved live healthier. To accomplish this mission, we must ensure that our team is aligned with our E.P.I.C. values: 

• Excellence: Always exceeding expectations! 
• Passionate: Executing with boldness! 
• Innovative: Pioneering a better way! 
• Collaborative: Together we win! 

The EPIC Compliance Officer we are looking for: 

You will report to the Senior Leadership. Responsible for creating, designing, implementing and monitoring the processes by which the company will comply with all applicable laws and regulations.  

As a Compliance Officer, you will:  

The Senior Compliance Officer is responsible for ensuring adherence to federal and state laws affecting HFD's operations in Bank Loans[1] . Key duties include developing and maintaining a risk management framework, creating, and implementing regulatory and programmatic policies and procedures, analyzing risk exposures, performing ongoing monitoring, and testing related to compliance requirements, and overseeing compliance programs such as complaint handling, compliance training, vendor management, and compliance reporting. The officer collaborates with various departments to implement risk control measures and manages relationships with external auditors and banking partners. The role requires high skill proficiency, independence in decision-making, and oversight of team members. 

Compliance areas will include federal and state laws and legislation including, but not limited to the following: 

• Retail Installment Sales Act (RISA) 
• Truth in lending Act (TILA) 
• Fair Credit Reporting Act (FCRA) 
• Fair Debt Collection Practices Act (FDCPA) 
• Bank Secrecy Act (BSA) / Anti-Money Laundering (AML)
• Office of Foreign Assets Control (OFAC) 
• Controlling the Assault of Non-Solicited Pornography and Marketing Act (CAN-SPAM)
• Electronic Fund Transfer Act (EFTA)
• Electronic Signatures in Global and National Commerce Act (E-Sign)
• Equal Credit Opportunity Act (ECOA)
• Gramm Leach Bliley Act (GLBA)
• Servicemembers Civil Relief Act (SCRA)
• Unfair, Deceptive, Abusive Acts or Practices (UDAAP)
• Bankruptcy Laws 
• Telephone Consumer Protection Act (TCPA) 
• Health Insurance Portability and Accountability Act (HIPAA) 
• California Privacy Rights Act 
• California Consumer Privacy Act 
• Florida Doc Stamp Tax 
• Military lending Act (MLA) 
• Americans with Disabilities Act (ADA) 
• Privacy Laws and other legislation and relevant 
• Consumer Financial Protection Bureau (CFPB) 

Regulatory tasks shall include researching and analyzing all the above-mentioned regulations to determine the subjectivity, application, and execution for HFD. Granular level tasks may include: 

• Research and keeping abreast of updates and changes to the law 
• Providing briefing, and detailed reporting to the executive team and banking partner 
• Providing guidance and recommendation for best practice

Requirements 

• In-depth knowledge in compliance regulations including TILA, ECOA, FCRA, SCRA, GLBA, BSA/AML, and UDAAP
• 5+ years’ experience in FinTech or Banking Compliance, with a focus on consumer protection 

Intangibles 

• Familiar with Healthcare Patient Finance and/or Banking as a Service model. 

Benefits 

• Medical, Dental, Vision Insurance 
• 401k with 3% company match 
• Time off: Unlimited PTO, 6 days of paid sick time, plus 6 paid holidays. 
• EPIC company culture