Associate Director, Compliance

Position Overview: The Associate Director, Compliance is instrumental in advancing the effective execution, oversight, and continuous enhancement of the Company’s Compliance Management System (CMS). This position drives the operational execution and ongoing development of Compliance Monitoring and Testing programs, supports the oversight of Branch Audit activities, and coordinates regulatory examination and audit readiness through the timely and accurate delivery of loan files. Through risk-based monitoring and testing, evaluation of control effectiveness, cross-functional collaboration, and continuous process improvement, the Associate Director, Compliance identifies and mitigates regulatory risk, strengthens CCM’s compliance control environment, and promotes consistent adherence to regulatory requirements and organizational compliance objectives.

Job Responsibilities:

• Drive the development, implementation, and continuous enhancement of Compliance Monitoring and Testing programs, procedures, test scripts, and reporting protocols to ensure regulatory alignment, methodological consistency, and effective identification of compliance deficiencies, control weaknesses, and emerging regulatory risks.
• Conduct second-level quality assurance reviews of Compliance Monitoring and Testing results to validate adherence to approved methodologies, accuracy of findings, sufficiency of supporting documentation, appropriateness of severity classifications, and consistency of regulatory conclusions.
• Collaborate with Compliance leadership and key business stakeholders to establish performance objectives, evaluate program metrics, and implement strategic initiatives that enhance operational efficiency, strengthen accountability, and drive measurable improvements in Compliance Monitoring and Testing performance.
• Serve as the primary point of contact for operational compliance matters across all lending channels, delivering timely, actionable regulatory guidance to facilitate informed decision-making, resolve complex compliance matters, and ensure consistent application of regulatory requirements and Company policies.
• Spearhead regulatory examination and audit file requests, ensuring the timely and accurate collection, validation, and submission of required loan files in accordance with examination protocols and regulatory deadlines.
• Support the oversight and execution of Branch Audit activities, coordinating with audit personnel, branch leadership, and key business stakeholders to ensure timely completion of audit deliverables, appropriate escalation of findings, and effective implementation of corrective actions.
• Perform additional responsibilities as assigned by Compliance leadership to support departmental objectives and organizational priorities.

Qualificationsand Skills:

• Bachelor’s degree in a related field or an equivalent combination of education and relevant professional experience.
• 5+ years of experience within a financial institution, preferably a large or complex organization.
• 3+ years of experience in risk management or consumer compliance, specifically related to mortgage originations.
• Proficiency with ACES, Encompass, and Jira, preferred.
• Comprehensive knowledge of loan operations, including processing, underwriting, closing, and quality assurance.
• Demonstrated command of federal and state mortgage lending laws and regulations, including the Dodd-Frank Wall Street Reform and Consumer Protection Act, RESPA, TILA, TRID, ECOA, HMDA, GLBA, Fair Lending, UDAAP, and SAFE Act.
• Advanced proficiency in regulatory interpretation, compliance risk assessment, and evaluation of regulatory requirements across mortgage lending operations.
• Exceptional communication, management, and leadership skills.
• Advanced prioritization and time management skills.

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities, or working conditions associated with the position.