OverviewOcean Bank is looking for a relationship-driven CRA Officer to lead the bank’s Community Reinvestment Act (CRA) compliance strategy and support a strong culture of regulatory excellence. This is an opportunity for a compliance professional who thrives in a dynamic banking environment and brings expertise in CRA, Fair Lending, HMDA, ECOA, and consumer compliance. The CRA Officer partners with leadership and cross-functional teams to monitor performance, strengthen controls, support examinations and audits, and help advance the bank’s community development and compliance objectives. The ideal candidate is analytical, proactive, collaborative, and passionate about balancing regulatory compliance with meaningful community impact.
Responsibilities
- Lead and monitor the bank’s CRA program to support ongoing regulatory compliance and performance objectives.
- Review and analyze CRA, HMDA, ECOA, Fair Lending, and related consumer compliance activities to identify trends, risks, and opportunities for improvement.
- Partner with internal stakeholders to evaluate community development investments, donations, and service activities for CRA consideration and documentation.
- Support and coordinate regulatory examinations, internal audits, and compliance reviews, including preparation of responses and supporting documentation.
- Provide guidance, training, and subject matter expertise to business units on lending compliance requirements and regulatory expectations.
- Assist in developing, enhancing, and maintaining compliance policies, procedures, monitoring reports, and risk assessments.
- Prepare reporting and materials for management committees and help promote effective governance of CRA and consumer compliance initiatives.
- Review and respond to consumer complaints as needed.
- Review lending and other related advertising and marketing materials.
- Responsible for attending regulatory, professional/trade and civic association meetings held related to CRA/HMDA/ECOA/Fair Lending compliance.
- Serve as a trusted compliance partner by helping address regulatory questions, consumer complaints, and emerging compliance matters.
Qualifications
Education/Experience:
Requirements
Bachelor’s degree in Business (Finance, Economics or Accounting).
7+ years of experience directly related to CRA/HMDA/ECOA/Fair Lending compliance administration.
3+ years in a supervisory or managerial position
Extensive knowledge of consumer regulations, including but not limited to: Community Reinvestment Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act, Unfair and Deceptive Practices Act, Fair Housing Act, Fair Lending Interagency Statements, TRID, RESPA and TILA.
Periodic travel may be required to the branches and to outside organizations.
Combination of education and experience will be considered.
Skills & Competencies
Proven ability to develop and manage community programs.
Experience with managing the CRA Compliance Examination process and proactively engaging with regulators.
Ability to use sound judgment and make critical decisions regarding CRA compliance with minimal supervision.
Experience with data analysis and reporting.
Knowledge of banking products and services.
Ability to understand and implement job related policies and procedures.
Must have strong familiarity with regulatory banking environment and banking regulations.
Must possess excellent verbal and written communication skills, interpersonal and organizational skills.
Highly self-motivated, self-directed, and attentive to detail.
Proficiency in MS Office Software, (Excel, Word, Outlook, Power Point, and Teams).
Preferences
Licenses/Certifications
Job Posting LocationsIn this role you can work remote from Miami, Florida, United States
