The Marketing Business Risk and Compliance Specialist is a first line of defense risk management role embedded within the Marketing function. This role owns and executes firstline business risk management activities aligned with the Banks operational and compliance riskmanagement frameworks, while also performing initial regulatory compliance reviews of marketing materials and activities to enable timely, compliant campaign execution.

As the primary firstline risk owner for marketingrelated operational and regulatory compliance risks, including UDAAP, this role plays a critical part in protecting the Bank, its customers, and the Brand.

The role reports to the Marketing Director and partners closely with the Business Risk Office and other firstline risk management teams. The Specialist works crossfunctionally with Marketing, Product, Legal, Corporate Compliance, and Business Risk Office partners to ensure risks are identified early, controls are effective, and campaigns move forward efficiently and compliantly.

Salary Range

The annual salary range for this position is $60,000-$121,300 plus incentive bonus. The base salary indicated for this position reflects the compensation range applicable to all levels of the role across the United States. Actual salary offers within this range may vary based on a number of factors, including the specific responsibilities of the position, the candidates relevant skills and professional experience, educational qualifications, and geographic location.

Key Accountabilities

First Line Business Risk Management: Serve as the designated firstline risk owner for the Marketing function, consistent with the Banks Business Risk Officer framework.

• Identify, assess, document, and monitor marketingrelated risks, including operational, regulatory, compliance, reputational, and consumer risks.
• Proactively identify control gaps, emerging risks, and process weaknesses, escalating material issues in accordance with established riskescalation protocols.
• Support the design, implementation, and ongoing maintenance of firstline controls to mitigate marketing risks, including centralized marketing review workflows, documentation standards, and other firstline governance processes.
• Participate in and support risk and control assessments, issue management, management action plans, and remediation activities related to Marketing.
• Coordinate and support regulatory examinations, audits, and internal reviews impacting Marketing by organizing firstline responses, documentation, and remediation efforts.
• Conduct riskbased monitoring and analysis to identify trends, repeat issues, and systemic control improvement opportunities, including analysis of client complaint trends.
• Partner with Enterprise Risk Management and Corporate Compliance to identify and address risk management and regulatory compliance training needs across Marketing.

Marketing Review & Advisory: Perform initial firstline compliance review and approval of marketing materials across all channels, including advertising, digital content, email campaigns, social media, branch signage, sponsorships, promotions, and other customerfacing communications.

• Review marketing strategies, claims, disclosures, and disclaimers to ensure accuracy, clarity, completeness, fairness, and compliance with applicable laws, regulations, and internal standards, including UDAAP, ECOA, Truth in Savings, Truth in Lending, FDIC usage, and related consumerprotection requirements, leveraging established compliance review checklists.
• Provide realtime guidance and advisory support to Marketing partners throughout the campaign lifecycle to proactively minimize rework and reduce risk.
• Identify higherrisk, novel, or complex issues and escalate to Corporate Compliance and/or Legal in accordance with defined escalation criteria.
• Coordinate risk management activities related to the development, fulfillment, and ongoing monitoring of promotional activities.
• Support the development, maintenance, and adoption of approved marketing templates, disclosures, and standard language to drive consistency and risk mitigation across channels.

Key Competencies for Position

• Risk Awareness & Judgment: Identifies marketingrelated operational and compliance risks and applies sound judgment within established frameworks and standards.
• Marketing Fluency: Understands marketing channels, campaign workflows, and timetomarket pressures.
• Communication: Clearly and constructively explains compliance requirements to noncompliance partners.
• Collaboration: Builds trust and strong working relationships with Marketing, Legal, Compliance, and Risk stakeholders.
• Attention to Detail: Ensures accuracy of claims, disclosures, and supporting documentation.
• Process Discipline: Adheres to review standards and maintains clear, defensible documentation and audit trails.
• Timeliness: Works efficiently and effectively to meet campaign timelines and established servicelevel expectations.

Qualifications and Education Requirements

• Bachelors degree in Business, Marketing, Finance, Communications, Risk Management, or a related field.
• 5+ years of experience in banking or financial services marketing, compliance, risk, or legal review.
• Working knowledge of financial services advertising requirements and consumerprotection principles.
• Familiarity with digital marketing channels (web, email, social, paid media).
• Strong written and verbal communication skills.
• Proficiency in Microsoft Office; experience with content review or workflow tools preferred.