Compliance Specialist

Company Description

M1 Finance has created a personal wealth-building platform made for the modern era, uniting personal perspective and automated ease. We seamlessly combine free investing and low cost borrowing all in one intuitive, automated Finance Super App, and we’re driven by a mission to empower personal financial well-being. We believe that financial well-being is fundamental to overall well-being, and we strive to deliver products that are simpler, smarter, and stronger than those created by our boring, entrenched, and slow-moving competitors in the personal finance industry.

Our clients have already trusted us with over $12 billion of assets, we’re currently helping hundreds of thousands of people grow and manage their wealth with our industry-leading automation and tools, and we’re adding thousands of new clients every day.

We’re looking for passionate people who want to improve and build on what we’ve created and take responsibility to help others build something meaningful and sustainable for their futures.

We mean it when we say, “M1 is yours to build.”

If this sounds interesting to you, read on!

Job Description

About the Role

We’re hiring on our Compliance Team to play a critical control and execution role across our Broker-Dealer and Investment Adviser compliance programs. This role is ideal for someone who has operated inside an IA/BD environment, understands regulatory expectations and how to execute them, and is comfortable owning risk-based compliance functions in a fast-moving fintech.

You’ll independently own testing, monitoring, and core compliance workflows while partnering closely with compliance leadership as we continue to scale and stand up new advisory capabilities. This is not a narrow or specialized role, you can expect to be hands-on across the full compliance program.

Core Responsibilities

• Review, maintain, and update Written Supervisory Procedures (WSPs) on a periodic and ad-hoc basis
• Execute Rule 206(4)-7 annual testing, including documentation, findings, and remediation tracking
• Own risk assessments, particularly as new advisory capabilities and models are launched
• Draft and maintain advisory policies, including Code of Ethics, Access Persons controls (Rule 204A-1), and related procedures
• Assist leadership in responding to regulatory inquiries and examinations, including document production and response coordination
• Oversee AI advisor model governance, including validation, monitoring, and documentation of advisory models and methodology
• Perform complaint review and reporting, including daily monitoring and quarterly regulatory reporting
• Handle regulatory complaints and escalations across BD and IA environments
• Conduct marketing and advertising review across advisory and brokerage content
• Manage individual registrations and NRF filings
• Support employee certifications, attestations, and disclosure reviews
• Partner with Customer Support on compliance-related inquiries and escalations

Salary band: $90,000 - $120,000

Qualifications

• Minimum 4 years of compliance experience in finance, preferably fintech.
• Series 7 & Series 24 highly desirable
• Experience working with and supervising AI or digital intelligence solutions; exposure to investment advisory model governance preferred
• RIA/Robo-advisor compliance experience
• Working knowledge of FINRA and SEC rules applicable to BD and RIA environments (e.g., supervision, communications, complaints, AML, custody, marketing)
• Experience with marketing review and approvals
• Experience designing and executing compliance testing frameworks, audit experience is a plus
• Ability to evaluate risk in new products, features, or process changes without perfect information

Ideal qualities:

• Strong analytical, writing, and stakeholder management skills
• M1 is a relatively flat organization, therefore you'll need to be able to manage and give directives to all levels
• Ability to independently own compliance testing, assessments, and regulatory workflows
• Strong written communication skills - comfortable drafting policies, procedures, and regulatory responses
• Knowledge of the Internet Adviser Exemption is preferred
• Comfortable operating in a fast-paced, evolving environment
• You understand what regulators actually focus on and take accountability for outcomes

Additional Information

Our Values

Our team embodies our ten core principles and if these principles speak to you – we’d love to talk with you.

• Mission driven Wealth expands what life can be. We exist to help people build it, optimizing with intelligence and precision so their resources become fuel for possibility. This is work worth doing.

• Extreme ownership We own outcomes, not just tasks. When something affects our clients, teammates, or shareholders, we take full responsibility. No excuses, no finger-pointing, no waiting for someone else to act.

• Boldness Thinking small is a self-fulfilling prophecy. We set ambitious goals because they inspire ambitious results. We would rather fail at something meaningful than succeed at something trivial.

• Ruthless prioritization Our ambition will always exceed our capacity. We say no to good ideas so we can pursue great ones, and we use time as a constraint that forces the choice. Generous timelines don't prevent delays; they invite sprawl.

• Integrity We tell the truth: to clients, to each other, to ourselves. We are direct about trade-offs, honest about risks, and unapologetic about what we believe. Trust is earned through clarity, not comfort.

• Effectiveness Intelligence and leverage are how we do more with less. We care about results, not activity. Whatever it takes to deliver, whether that demands disciplined process or resourcefulness.

• Team over self We achieve more together than alone. We hire people who elevate others, we share credit generously, and we treat a teammate's problem as our own.

• Transparency We share information openly, communicate simply, and provide the context people need to make good decisions fast. No hoarding, no politics, no spin.

• Momentum Perfection is a direction, not a destination. Crawl, walk, run, sprint. We make consistent progress with the speed and precision a financial institution demands.

• Resilience Big goals come with setbacks. Markets turn, plans break, timelines slip. We adapt without losing resolve, treating obstacles as problems to solve rather than reasons to quit.

Our Perks

• Competitive Pay and Stock Options

• Comprehensive health, dental, vision, disability, and life insurance

• Retirement benefit with employer match

• Unlimited PTO

• Transparent and open communication with leadership

M1 is an equal opportunity employer and values diversity across the company. M1 does not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.