Sr. Product Compliance Specialist

At Early Warning, we’ve powered and protected the U.S. financial system for over thirty years with cutting-edge solutions like Zelle®, Paze℠, and so much more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses.

Positions located in Scottsdale, San Francisco, Chicago, or New York follow a hybrid work model to allow for a more collaborative working environment.

Candidates responding to this posting must independently possess the eligibility to work in the United States, for any employer, at the date of hire. This position is ineligible for employment Visa sponsorship.

Overall Purpose

This position owns end-end execution of risk-based compliance reviews of customers to assess adherence to operating rules, standards, and contractual requirements governing Early Warning’s (EWS) products and services. The role identifies control gaps and risks, delivers actionable recommendations, and supports consistent compliance to protect the integrity and security of EWS products and services.

The Sr. Product Compliance Specialist operates with a high degree of independence, handles more complex and high-risk reviews, and provides guidance to less experienced team members.

Essential Functions

• Execute risk-based compliance reviews of customers utilizing EWS products and services, including planning, fieldwork, and reporting.

• Lead portions of complex or high-risk reviews, including planning, scoping, control evaluation, and testing approach.

• Assess customer processes, controls, and documentation for adherence to operating rules, contractual requirements, and product standards.

• Identify control gaps and compliance risks and perform root cause analysis.

• Prepare and deliver clear, well-supported reports with practical remediation recommendations.

• Present findings to internal stakeholders and support discussions with external customers, as needed.

• Maintain complete and defensible documentation and workpapers to support review conclusions.

• Validate remediation activities to ensure effective resolution of identified issues.

• Identify trends and recurring issues across reviews and escalate insights to management.

• Provide guidance on rule interpretation and compliance expectations to customers and internal partners.

• Support onboarding and mentoring of junior team members to enhance review quality and consistency.

• Contribute to the enhancement of review methodologies, tools, and templates.

• Support the company’s commitment to risk management and protecting the integrity and confidentiality of systems and data.

Minimum Qualifications

• Typically, a minimum of 5 years of experience in compliance reviews, audits, regulatory compliance, risk management, internal controls, or quality assurance within financial services or payments.

• Demonstrated ability to independently execute end-to-end compliance reviews.

• Experience handling moderately complex or higher-risk reviews.

• Working knowledge of compliance frameworks, risk assessment methodologies, and control evaluation practices.

• Ability to interpret and apply operating rules, contractual requirements, and product standards.

• Strong analytical and problem-solving skills with the ability to assess risk and identify root causes.

• Effective written and verbal communication skills, including conducting interviews and drafting clear findings.

• Strong organizational and project management skills, with the ability to manage multiple assignments.

• Education and/or experience typically obtained through completion of a Bachelor’s degree in business, finance, accounting, risk management, or related field.

• Background and drug screen.

Preferred Qualifications

• Familiarity with debit network rules, NACHA rules, and real-time payments frameworks.

• Experience supporting or mentoring junior team members.

• Relevant professional certifications such as CIA, AAP, APRP, CPP, EPP, CISA, or CRCM are a plus.

The above job description is not intended to be an all-inclusive list of duties and standards of the position.  Incumbents will follow instructions and perform other related duties as assigned by their supervisor.

Physical Requirements

Working conditions consist of a