About Us

FS Vector is a strategic consulting firm that works with financial services clients in a rapidly evolving industry and regulatory environment. We provide expertise at the intersection of technology, government, and traditional finance in order to serve clients as a trusted partner at each stage of growth—from early-stage ventures to global organizations. Our team delivers a variety of resources our clients need in one firm, including advisory, advocacy, and training services.

The Advisory Team

We partner collaboratively with clients to build, expand, and secure their companies, products, and capabilities. We assess market opportunities to develop offerings at the outset, facilitate partnerships, and assess risks as things scale—all while providing ongoing confidence that everything will be compliant from beginning to end. Our team understands intimately how to effectively develop, scale, and comply because we have helped clients do so time and again. We are looking for an Associate to join our Advisory team and support the firm’s Independent Audit offerings to its clients. The ideal candidate will have a strong background in regulatory compliance, risk-based testing methodologies, and a deep understanding of U.S. banking laws, with experience in compliance testing, audit, or risk management within financial services, banking, or fintech sectors.

Primary Responsibilities

• Testing and Risk Management
  • Establish or refine comprehensive monitoring and testing procedures to ensure the effectiveness and relevance of compliance programs.
  • Develop and implement risk-based methodologies to identify, assess, and mitigate compliance risks.
  • Conduct thorough risk assessments to evaluate internal controls, ensuring compliance with applicable laws, regulations, and internal policies.
  • Perform risk-based compliance testing across the full lifecycle of consumer/commercial lending products, cards, and payment solutions, validating adherence to relevant consumer protection and financial regulations.
  • Interpret, analyze, and apply laws, regulations, and industry requirements, providing actionable recommendations for improving client compliance programs, policies, and procedures.
  • Perform detailed testing of compliance controls, focusing on assessing the business lines’ adherence to consumer and commercial lending regulations, including TILA, TISA, and Reg E, among others.
• Regulatory Compliance Analysis
  • Collaborate with stakeholders to interpret and ensure compliance with a variety of regulatory requirements, including but not limited to BSA/AML, OFAC, and data privacy regulations (e.g., GDPR, CCPA).
  • Continuously track and stay updated on changes in relevant financial regulations and compliance standards, integrating new requirements into existing compliance frameworks.
• Reporting & Documentation
  • Document testing processes, findings, and recommendations, maintaining accurate and detailed records to support audit and regulatory reviews.
  • Prepare clear, concise, and well-organized reports on compliance testing results, risk assessments, and recommendations for management and external stakeholders

Qualifications

• 3 – 5 years of experience in regulatory compliance, compliance testing, audit, or risk management within financial services, banking, or fintech.
• In-depth knowledge of U.S. banking laws and regulations, including but not limited to BSA/AML, OFAC, Regulation E (EFTA), Regulation Z (TILA), Regulation DD (TISA), and various consumer protection laws (CFPA, ECOA).
• Clear understanding of consumer protection laws (CFPA, ECOA) and data privacy regulations (GDPR, CCPA).
• Proficiency in risk-based testing methodologies, with the ability to assess compliance risks, internal controls, and regulatory adherence across financial products and services.
• Experience with regulatory compliance within lending and payment products preferred.
• Demonstrated ability to maintain multiple client relationships simultaneously and deliver clearly defined and actionable advice.
• Ability to travel occasionally (~10%), primarily to our headquarters in Washington, DC or to clients (primarily San Francisco Bay Area or New York City).

FS Vector provides equal employment opportunities to all employees and applicants for employment. We prohibit discrimination and harassment of any kind based on race, color, sex, age, religion, gender identity or expression, sexual orientation, national origin, disability status, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws.

For more information, please reach out to careers@fsvector.com.