Assist in the development and maintenance of enterprise compliance policies that set forth all laws, rules and regulatory requirements to which the Bank and its employees must adhere

Collaborate with first-line management to develop and implement operational procedures and process controls designed to ensure compliance

Provide independent oversight of compliance risks to identify and remediate deficiencies

Directly oversee the Bank’s compliance activities and provide Compliance Advisory to the Bank Operations Team

Coordinate with other compliance leaders on the identification and measurement of compliance risks and the adequacy of controls to mitigate those

Participate in discussions with senior management including within strategic priorities, risk assessments, regulatory change management, compliance monitoring and testing, training, issues management, consumer complaints, and third-party risk (particularly the Bank’s sub-servicers, partners, and service providers)

Advise and credibly challenge Business Teams on the development and implementation of new or changes to products and services to assess compliance risks and ensure appropriate controls are in place to mitigate those risks

Develop and present analysis and reporting to management on the status of the compliance program and material regulatory risks to senior leadership

Serve as a point of contact for compliance audits and regulatory examinations and spearhead corrective actions and remediation efforts

Collaborate with compliance staff and expand their regulatory knowledge and advance their skills to promote professional development and career growth

Execute key responsibilities and make decisions on behalf of the Sr Director, Compliance Advisory in their absence or as delegated by the Deputy CCO

Implement and maintain a compliance program for Bank Operations and Third-Party Risk Management designed to assess all regulatory risks related to consumer and commercial lending operations, including identifying gaps in controls, highlighting areas of highest risk, and developing appropriate risk mitigation strategies

Develop and maintain policies, standards, and other documented measures to formally set forth the principles and practices of regulatory compliance related to lending and deposit operations

Assist the Compliance Management Program Office with the development of regulation-based training and targeted role-based training covering the laws, regulations, and policy requirements related to lending and deposit operations

Establish monitoring protocols to assess and measure operations compliance with legal and regulatory requirements and identify defects and deficiencies requiring corrective action

Ensure compliance issues identified by any means and through any source are recorded, tracked, and reported to ensure their appropriate and timely resolution

Liaise with examiners and auditors on reviews of the company’s efforts to comply with regulatory requirements

Coordinate with Regulatory Change Management to identify new or changes to laws, regulations, and regulatory guidance and work with business management to operationalize requirements

Prepare, deliver, and effectively communicate analysis and reporting regarding Bank operations compliance to oversight committees, management, and the board

Move across functional lines within the Compliance Department to assist team members with other compliance-related responsibilities, including for example, fair lending, community reinvestment, BSA/AML, issues management, policy and procedure development, and third-party compliance oversight

8+ years of experience in a similar role within regulated a Banking entity either serving as a Compliance Officer, Internal Audit Function and/or Internal Controls Functions. Experience working at a large bank and/or fintech preferred. Bachelor’s degree or higher in a related field; or equivalent work experience

Experience in providing Compliance oversight, advisory and/or testing over Bank Operations functions

Experience in managing, overseeing, advising or testing TPRM compliance programs

Proficient in consumer compliance and related consumer protection regulations (i.e. TCPA, FDCPA, SCRA/MLA, ECOA, EFTA, etc.), state laws and safety and soundness risks

Demonstrated ability to manage exams, regulatory interactions and requests

Experience in working in a fast-paced dynamic environment with the ability to manage multiple programs and projects simultaneously

Strong leadership skills with the ability to manage multiple staff of various experience levels while also being hands on

Familiar with and experience managing within a Compliance Management System

Strong working knowledge of consumer protection laws and regulations and associated risks, and the internal controls needed to mitigate those risks

Experience managing or supervising others

Strong communication skills and the ability to influence decisions and drive change

Self-starter with ability to think independently, take ownership, and drive initiatives to resolution

Solid analytical, problem solving, and critical thinking skills

Ability to handle multiple priorities in a rapidly changing environment

CRCM or similar certification preferred