Risk and Compliance Analyst

Inclined uses modern technology to transform the whole life insurance market, focusing on consumer liquidity in the $1.1 Trillion of cash value in whole life policies and fixing legacy problems in the market. Its platform offers a simple and efficient way to access cash value while maintaining the tax advantages of whole life policies. This is Inclined's first dedicated hire to support the Chief Compliance and Enterprise Risk Officer. The role supports and develops the regulatory compliance program as the company scales its network of bank partners. The position is in-person at the Larkspur, CA office and reports directly to the Chief Compliance and Enterprise Risk Officer.

Responsibilities

Support the regulatory compliance requirements of Inclined's bank partners, including monitoring and helping maintain compliance with applicable federal and state laws as they apply to lending programs; Perform post-close quality assurance reviews on funded transactions and support root-cause and remediation efforts for exceptions; Conduct ongoing reviews of existing and potential vendors, including annual assessments; Field and respond to compliance questionnaires, due diligence requests, and information requests from bank partners, auditors, and other counterparties; Assist with maintaining the corporate and state licensing portfolio, including tracking renewal deadlines and supporting license renewals and license-related audits and examinations; Participate in dialogues and working sessions with bank partners on compliance matters, program updates, and regulatory changes, and help prepare materials; Maintain compliance tracking logs, documentation, and reporting to support audit-readiness and internal oversight; Carry out targeted internal audit activities as needed; Monitor changes in banking and consumer finance regulations and assess their impact on programs; Participate in workstreams related to SOC compliance requirements; Support the Chief Compliance and Enterprise Risk Officer and Chief Capital Officer on ad hoc compliance, risk, and bank partnership projects

Requirements

Bachelor's degree required; 1-3 years of experience in compliance, audit, or a related field; Strong organizational skills and high attention to detail; comfortable managing multiple concurrent deadlines (license renewals, audit requests, questionnaires); Advanced data skills, including comfort working with large amounts of data and building trackers and reports; Excellent written and verbal communication skills, with the poise to interact directly with bank partners and senior leadership; Self-starter who can operate with ambiguity and help build process in a small, fast-moving company; Sound judgment, discretion, and a collaborative, roll-up-your-sleeves mindset

Nice to have

Experience with bank-fintech partnerships; Experience in consumer lending; Experience with insurance-adjacent financial products; Experience within banking or a fintech environment

Benefits

Competitive pay; Employer-paid healthcare; Stock options; Generous time off; Opportunity to join a high-growth company at an early stage; Collaborative environment with highly skilled co-workers