Senior RIA Compliance Associate

Remote, USA

About Fruitful

Fruitful is the financial membership that transforms every paycheck into progress—guided by experts and powered by AI automation. Through our proprietary Money Map, Fruitful converts financial advice into a personalized money system that automates someone's entire financial life with a single click—closing the long-standing execution gap in financial planning. Members partner with a dedicated CERTIFIED FINANCIAL PLANNER® who designs and oversees their Money Map, allocating income across bills, spending, savings, and investments, putting their money on autopilot to drive measurable progress.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 RIA 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)
  • Support regulatory filings like the ADV, exams, and information requests
  • Provide training and maintain registrations for the Guidance Team

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, InfoSecurity Frameworks) 
  • Experience in supporting Compliance Management Programs, Issue Management, Risk Assessment Methodologies, and Compliance Controls
  • Creative perspective for finding solutions that ensure the best experience for our Members
  • Independent problem solver that actively identifies areas of opportunity and/or need
  • Technology-forward with a continuous improvement mindset, leveraging new tools to optimize processes and solve operational challenges.
  • Excellent analytical, verbal and written communication skills
  • Desire to join a fast-moving, early-stage, mission-driven company
  • Default to building with AI

Fruitful’s Compensation and Benefits

  • Competitive compensation package including salary and equity
  • Self-directed flexible time-off
  • Ability to work from where best for you (remote or in our offices in NYC or DC)
  • 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.

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