About Fruitful

Fruitful is fixing personal finance. We started with a product that gives members a path to financial confidence via 1-on-1 guidance from professionals, an industry changing money management product, along with a tailored investment management platform. This is the first step towards a larger vision to be a paradigm-shifting leader in the personal finance ecosystem.

Fruitful has the opportunity to be more affordable, accessible, and comprehensive than anyone in the industry, and it starts with a world-class product… Ready to help us build it?

Compliance @ Fruitful

We are seeking a nimble Senior Compliance Associate in investment advisory / financial guidance. Your broad understanding of the financial regulatory landscape will support our development of innovative, best-in-class financial products and services for Fruitful Members.

You will collaborate across teams to provide actionable regulatory compliance guidance and enhance our processes, training, and assessments.

Core responsibilities include:

• Assist the Head of Compliance in the development and enhancement of the Compliance Program including maintaining policies and procedures and responding to regulatory complaints;
• Review marketing collateral, product copy, and other consumer facing communications for adherence to regulatory requirements, company standards and industry best practices
• Provide compliance support to the Guidance Team in addressing member concerns, collaborating with relevant Fruitful teams
• Provide guidance and ongoing support on managing compliance risks and applying compliance requirements to Fruitful products and services
• Perform compliance testing and monitoring of compliance requirements and associated controls (e.g. investment adviser code of ethics, UDAAP, GLBA, BSA/AML, Reg E)
• Support regulatory filings like the ADV, exams, and information requests

Your Background & Values

• 2+ years of experience in a compliance role, preferably within an RIA or consumer financial services sector. Fintech experience is a big plus
• Strong knowledge of and experience researching, interpreting, and applying key regulatory requirements, laws, and industry best practices (including but not limited to SEC, Investment Advisers Act, Securities Act, UDAAP, GLBA, BSA/AML, RegZ/TILA, FCRA, InfoSecurity Frameworks)
• Experience in supporting Compliance Management Programs, Issue Management, Risk Assessment Methodologies, and Compliance Controls
• Creative mindset for finding solutions that ensure the best experience for our Members
• Independent problem solver that actively identifies areas of opportunity and/or need
• Excellent analytical, verbal and written communication skills
• Desire to join a fast-moving, early-stage, mission-driven company

Fruitful’s Compensation and Benefits

• Competitive compensation package including salary and equity
• Self-directed flexible time-off
• Parental leave
• Work-from-home setup stipend
• 401(k) program with company match
• Comprehensive health benefits package with a substantial employer subsidy

Fruitful is building a team that seeks to represent the diversity of our customer base. We are an equal opportunity employer and strongly encourage applicants from every background and life experience without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status