QualificationsEducation- Bachelor's degree in business, finance, law, or related field.
Experience- 3-5 years in compliance, risk management, or regulatory affairs within financial services or insurance
Knowledge - Familiarity with FDCPA, CFPB guidelines, insurance sales regulations, and debt collection standards as well as the US FCPA
Skills: Strong attention to detail, analytical mindset, and effective communication skills.
• Certifications: CRCM or other compliance-related certifications preferred but not required.
Key Responsibilities- Monitoring: Define, implement, and oversee key performance indicators (KPIs) to measure the effectiveness of compliance programs across the region, identifying trends and driving corrective actions where needed. Review: Own the development and execution of annual compliance internal control frameworks, coordinating internal audits and ensuring effectiveness of controls.
- Risk Assessment and Program Ownership: Lead the identification, assessment, and mitigation of compliance risks across North America.
- Performing country-specific compliance risk map for the geographical area and according to the methodology defined at global level to assess compliance risks;
a) Defining and implementing mitigation action plans;
b) Monitoring implementation of the remediation actions in a timely and
efficient manner; - Policy Implementation: Own the regional implementation and adoption of Global compliance policies, ensuring consistent execution while adapting to local regulatory requirements and business needs, conduct background checks on third parties and review contracts.
- Reporting: Own compliance reporting for North America, providing insights to senior leadership, identifying systemic risks, and driving informed decision making and escalation where necessary.
- Training & Awareness: Oversee and drive the regional compliance training and awareness strategy, ensuring effective education, strong ethical culture, and measurable impact through KPIs.
- Audit Support: Lead coordination of internal and external audits for the region, ensuring timely remediation and sustainable resolution of findings.
- Regulatory Updates: Stay current on changes to FDCPA, CFPB, insurance regulations, and US state-level financial laws.
- Issue Resolution: Lead investigation and resolution of compliance concerns, driving remediation efforts and ensuring accountability across stakeholders.
Job SummaryThe Compliance Officer - North America owns and drives the effectiveness of the organization's compliance program across the region, ensuring daily operations align with
(1) regulatory requirements in financial services, debt collections, insurance sales and
(2) the Global Antibribery & Corruption and the Global Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT) programs.
This role is responsible for overseeing the implementation, monitoring, and continuous improvement of compliance programs, acting as a key partner to business leadership and serving as a second line of defense to ensure adherence to applicable laws, regulations, and internal policies.
