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Assuming you’re below manager, you’re not considered a covered person unless you’re on the actual engagement team for that bank..
Background check should not be impacted. Disclose it and you should get the info you need before doing anything. Generally, but you need to confirm what’s applicable to you, your role, your projects/clients, etc., keeping the balance under $10k may meet independence requirements.
As a senior associate coming in probably doesn’t matter
Coach
At KPMG you would be fine. If you’re going to accept anyways, I wouldn’t worry about it and would just figure it out when you get there
It won’t affect the background check and generally you’re able to keep credit cards and certain other standard transactions with audit clients
I’d be more concerned about the stocks you own
Yea, EY goes over the top on stocks we're not allowed to own. More restrive than other firms and what regulators require in that regard.
The reason to maybe pay it off is even if they let you keep it if you ever have a late payment that is a violation. If you have it auto paid from your bank acct 10 days before due date every month maybe you’d be ok but I wouldn’t want to worry about screwups.