• Collaborate with the lines of business on implementation of regulatory changes and provide guidance and support on projects and process enhancements.
• Analyze regulatory changes and develop a summary of requirements and impacts to the Bank.
• Evaluate policies, procedures, and controls to identify risks and work with impacted areas to develop corrective action or executing remediation plans.
• Provide compliance advice and guidance regarding development of products, services, internal procedures, disclosures, etc.
• Serve as a subject matter expert of all commercial compliance deposit and lending-related laws and regulations.
• Execute training; contribute to the Bank’s Risk Assessment, and other activities to maintain a satisfactory Compliance Management System.
• Work closely with the lines of business to ensure business processes are working effectively and there are adequate controls to mitigate commercial compliance risk.
• Stay abreast of regulatory changes and industry trends.
• Proactively assess risk in business processes through internal monitoring.       
• Perform other duties and special projects as necessary.  

• Working knowledge of consumer protection laws and regulations, including but not limited to ECOA, FHA, HMDA, UDAAP, TILA, FCRA, FDCPA, SAFE Act, MLA, SCRA and RESPA. 
• Excellent interpersonal skills, including verbal and written communications.
• Effective project management skills to lead and contribute to regulatory implementation projects.
• Strong research, analysis, problem-solving, and decision-making skills with ability to identify compliance risks and issues for escalation to management, as necessary.
• Ability to manage workload and shift priorities in a dynamic and rapidly-changing environment.

Supervisory Responsibilities:

• None

Education and/or Experience:

• Bachelor’s degree preferred, or equivalent work experience in a compliance function within a banking environment.
• 7 +years of experience in regulatory compliance.
• Knowledge / experience working with commercial lending.

Computer and Software Skills:

• Microsoft office suite.
• Prior experience, or ability to learn, Centrax, Salesforce, Encompass.

Certificates, Licenses and Registrations:

CRCM designation or equivalent risk management certification preferred