Associate General Counsel, Regulatory Compliance

Who We Are Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe. Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance. What We're Looking For Cross River is currently seeking candidates for an Associate General Counsel, Regulatory Compliance, reporting directly to the Chief Legal Officer. This is a senior leadership role requiring a seasoned and highly-skilled attorney with significant in-house experience at a bank or fintech company. The successful candidate must have strong experience with Bank regulatory compliance, supervisory and enforcement matters. This role requires the ability to operate with significant autonomy, serve as a trusted advisor, and engage directly with key executive stakeholders internally, clients and partners — presenting on complex legal and regulatory subject matter with clarity and authority. A critical component is guiding clients and internal partners through regulatory risks and concerns in new product development end-to-end, working cross-functionally across risk, compliance, operations, and product teams. The candidate must exhibit strong judgment, market knowledge and decision-making skills to advise and lead efforts across business units. The candidate will help ensure the Bank operates in a safe and sound manner by guiding the Bank on its compliance with all applicable banking, commercial, and consumer protection laws, regulations and guidance, and by providing legal strategic advice to management about all relevant regulatory matters. This attorney will also run point on all supervisory examinations, interfacing between the examiners and the business. Key Responsibilities: • Provide clear and concise legal and regulatory advice and support to Bank management and all Bank business and control functions on all aspects of: • General U.S. banking laws, regulations and related guidance • Consumer protection and lending laws and regulations (e.g. ECOA, TILA, GLBA, FCRA, EFTA, UDAAP) • Financial crime compliance laws and regulations (e.g., BSA/AML and OFAC sanctions) • Federal and State Supervision and enforcement matters • Examination Management • Third-party risk management and oversight • Primary assistance to Chief Legal Officer on all matters pertaining to bank supervision, including safety & soundness and regulatory compliance examinations, and preparing and communicating management responses to related reports of examinations, supervisory letters, etc. to Regulatory Authorities. • Provide creative, risk-focused solutions to Compliance, Risk Management, BSA/AML, and New Partner Onboarding teams and other business units, particularly on novel and complex legal issues to support growth and innovation, while advising and applying effective risk management techniques with respect to regulatory and supervisory matters. • Oversee and/or supervise attorneys to research and evaluate banking laws and regulations, guidance, interpretive letters, opinions, etc. in the context of assessing risk factors regarding business decisions and operations for new partner and/or product launch related to payments, embedded