Job Description

Responsibilities:

• Develop, implement, and maintain a comprehensive enterprise compliance management system that identifies, assesses, monitors, and mitigates compliance risks
• Establish and maintain compliance policies, procedures, and internal controls aligned with regulatory requirements and industry best practices
• Oversee the compliance risk assessment process and ensure appropriate risk mitigation strategies are in place
• Monitor and interpret regulatory developments and assess their impact on bank operations, products, and services
• Serve as primary liaison with regulatory agencies on compliance-related matters (excluding BSA/AML)
• Manage regulatory examination processes, including preparation, response coordination, and remediation of findings
• Oversee timely and accurate regulatory reporting and filings including quarterly monitoring reports, annual HMDA and CRA filings
• Ensure compliance with consumer protection regulations including UDAAP, TILA, TISA, RESPA, ECOA, FCRA, Fair Lending, and other applicable consumer laws
• Design and oversee compliance monitoring and testing programs to validate adherence to policies and regulatory requirements
• Direct complaint management processes and ensure appropriate investigation and resolution
• Serve as a CRA Compliance Officer and provide strategic leadership and oversight of the Bank's CRA program to ensure compliance with CRA regulations and achievement of performance goals
• Serve as the Bank's designated Privacy Officer with overall responsibility for the privacy program
• Serve as a key member of the Bank's Ethics Office, supporting the Ethics Officer in promoting ethical conduct and organizational integrity
• Provide compliance guidance and risk assessments for new products, services, and business initiatives
• Partner with business units to embed compliance considerations into strategic planning and operational processes
• Review and approve marketing materials and customer communications for regulatory compliance and privacy considerations
• Oversee third-party vendor compliance and privacy risk management processes
• Conduct CRA and Fair Lending performance monitoring, including analysis of lending patterns, community development activities, and service delivery
• Provide regular reporting to the Chief Risk Officer, senior management, management committees, Board committees on the following:
• Compliance risks, program effectiveness, and regulatory developments
• CRA performance, including lending analysis, community development activities, and progress toward strategic plan objectives
• Privacy program including privacy incidents, regulatory developments, and program enhancements
• Serve as a trusted advisor to senior management and the Board on compliance matters
• Foster a culture of compliance awareness, privacy protection, and ethical conduct throughout the Bank

Qualifications

• :Bachelor’s Degree require
• d15+ years' of compliance experience in banking or financial service
• s5+ years' in a senior compliance leadership role, preferably at a regional or community ban
• kDemonstrated expertise in CRA regulations, including developing and implementing CRA strategic plans, examination procedures and performance evaluation standard
• sExperience managing regulatory examinations and responding to regulatory finding
• sProven track record of building and leading compliance programs in a banking environmen
• tDeep knowledge of federal and state consumer protection regulations, banking laws, and regulatory expectation

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