Compliance Analyst (SQL, Lending)

About the role

Kiwi is looking for a data-driven Compliance Analyst who uses SQL to test, monitor and strengthen its compliance program across lending, servicing, collections and marketing. The analyst turns regulatory requirements into measurable tests, catches issues before they reach customers and works with Product, Engineering and Operations to build compliance into how the company grows. The position is based in the Dominican Republic.

Key responsibilities

• Write and maintain SQL queries (Snowflake) to run compliance tests and monitor portfolio data.
• Execute the compliance testing schedule and document findings, root causes and recommendations.
• Validate loan calculations (APR, amortization, interest accrual, payoff) against disclosures and Reg Z.
• Build dashboards and recurring reports for compliance monitoring.
• Review marketing materials, collections communications and ACH processes for regulatory alignment.
• Support regulatory exams, internal audits and responses to CFPB and state regulator inquiries.
• Partner with Product and Engineering to define compliance requirements for new features.

Required profile

• 3+ years in compliance, audit or data analysis within lending, fintech or banking.
• Solid knowledge of consumer lending regulations: FCRA, TILA/Reg Z, ECOA, UDAAP, SCRA/MLA, FDCPA/Reg F, TCPA, CAN-SPAM, NACHA rules and CFPB supervisory expectations.
• Audit mindset with rigorous documentation and traceability.
• Fully bilingual English and Spanish, written and spoken.

Required skills

• Advanced SQL (CTEs, window functions, data reconciliation)
• Snowflake (preferred)
• Strong loan math, including verifying APR calculations under Reg Z