Compliance Strategist

Relay is a digital banking platform that gives self-made business owners the tools and know-how to be great with money—bringing clarity, confidence, and control to every dollar earned, so they can turn hard work into lasting success. We do this by replacing financial guesswork with real visibility, transforming cash flow from a constant source of stress into a clear signal owners can use to run stronger, more resilient businesses. Our mission is to increase the success rate of small businesses. Traditional banking has been a growth limiter rather than a growth enabler for business owners, and we're changing that. Relay is the all-in-one, collaborative money management platform. We're building for employer SMBs and their finance function, internal and external, and are focused on delivering a human-centric customer experience. Ultimately, we help SMBs be 'on the money'. Relay is scaling rapidly, and we're growing our Compliance team to help safeguard our platform, our customers, and our regulatory standing as we scale. We're looking for a data-driven, detail-oriented problem solver who is excited to build out our compliance monitoring capabilities and strengthen how we partner with our sponsor bank – not just maintain existing processes. As a Compliance Analyst, you'll own the development and ongoing management of Relay's compliance monitoring program end-to-end, designing the frameworks, testing, and reporting that ensure our products and operations meet regulatory requirements. You'll also be a key point of contact in managing the day-to-day partnership between Relay and our sponsor bank, ensuring alignment on compliance expectations, exam readiness, and issue resolution. Your work directly shapes how Relay identifies, monitors, and remediates compliance risk while maintaining a trusted relationship with our banking partner, meeting the needs of our fast moving business, and ensuring a seamless customer experience. At Relay, your work has real reach – helping millions of SMBs operate safely and confidently, while protecting the integrity of our banking partnership. If you're passionate about using data and process rigor to solve meaningful problems, building compliance programs from the ground up, and being a trusted partner to both internal teams and external stakeholders, this is the role for you. What You'll Be Doing - Compliance Monitoring Program: Develop and own Relay's compliance monitoring program, including designing testing methodologies, monitoring schedules, and reporting frameworks - Sponsor Bank Partnership: Manage the day-to-day relationship between Relay and our sponsor bank, serving as a primary point of contact on compliance matters, exams, and audits - Data-Driven Monitoring: Analyze account, transaction, and operational data to identify compliance gaps, emerging risks, and areas for control enhancement - Testing & Reporting: Execute ongoing compliance testing and reviews, document findings, and produce clear reporting for internal stakeholders and our sponsor bank - Issue Management: Track identified issues through to remediation, ensuring corrective actions are implemented and validated in a timely manner - Cross-Functional Collaboration: Partner with Risk, Product, Engineering, and Operations to embed compliance requirements into new features, products, and processes - Regulatory Change Management: Monitor changes in applicable regulations and guidance, and translate them into updates to our monitoring program and controls - Continuous Improvement: Iterate on monitoring processes, tools, and documentation to increase efficiency and scalability as Relay grows - Stakeholder Communication: Translate compliance findings into clear, actionable recommendations for technical and non-technical stakeholders, including our sponsor bank Who You Are - You have 2+ years of experience in compliance, risk, audit, or a related field, preferably in fintech, banking, or payments - You have experience building or running…