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Job Purpose & Scope

Responsible for assisting with the oversight and ongoing execution of the Bank’s Fair Lending Risk Management Program. Serves as a compliance subject matter expert in all applicable federal laws and regulations, including, but not limited to: ECOA, FHA, HMDA, and the portions of Dodd-Frank relating to fair lending and UDAAP.

Essential Job Functions

+ Assists with administration of the Fair Lending Program.

+ Manages file review staff, reviews initial analysis reports, and monitors ongoing corrective action taken as a result of any identified findings.

+ Serves in an advisement role by researching federal banking laws and regulations related to Fair Lending and anti-discrimination, reviewing the financial institution’s policies and procedures, and ensuring financial institution compliance with Fair Lending laws, regulations, and related guidance.

+ Maintains current expertise of the requirements of Fair Lending laws and regulations that apply to the Bank and serves as a regulatory resource for officers and employees.

+ Assists with the development, implementation, and maintenance of comprehensive Fair Lending program tools and resources (i.e., monitoring and testing schedules, risk assessments, testing templates, dashboards, periodic and ad-hoc reporting, etc.).

+ Assists Corporate Compliance management to ensure the Bank’s Fair Lending Program meets regulatory requirements.

+ Assists with the maintenance of the Fair Lending policy and program, ensuring they accurately and effectively communicate Fair Lending requirements and expectations.

+ May assist with reviews of Bank Fair Lending training, providing expertise and material as necessary for development and maintenance of education.

+ Assists with the execution and review of Fair Lending monitoring and testing activities to validate the adequacy of procedures, report findings to management, and monitor ongoing corrective action taken as a result of such findings.

+ May participate as a Fair Lending resource for new or changing products, processes, or systems to ensure compliance with fair lending regulatory requirements.

+ Works with regulatory examiners/auditors before, during and after the examination/audit process.

+ Oversees assigned Fair Lending staff, including assigning and reviewing work products.

+ Manages, trains, and mentors Fair Lending employees of varying experience and ability.

+ Regularly exercises discretion and judgment in the performance of essential job functions.

+ Maintains good punctuality and attendance to work.

+ Follows Bank policy, procedures and guidelines.

+ Performs any other duties and responsibilities as determined by the Chief Compliance Officer, Managing Director of Compliance, and/or the Director of Compliance – Fair Lending.

Knowledge, Skills & Abilities

+ Comprehensive knowledge of ECOA, FHA, HMDA, and the portions of Dodd- Frank relating to Fair Lending and UDAAP.

+ Product knowledge appropriate for the Bank, especially residential real estate lending, consumer lending, and small business lending.

+ Ability to demonstrate excellent organizational and documentation skills with strong attention to detail.

+ Ability to demonstrate excellent research and analytical skills.

+ Ability to multitask while working independently, without close supervision.

+ Ability to work in a fast-paced environment with exacting deadlines.

+ Ability to complete Fair Lending monitoring and/or testing using Fair Lending/HMDA/CRA software (e.g. RATA, CenTrax, FL Wiz, or RiskExec), including associated reporting and remediation oversight.

+ Ability to read, analyze, and interpret government regulations, trade journals, and legal documents.

+ Ability to demonstrate leadership, develop team members, and direct resources for task completion.

+ Ability to communicate effectively, both verbally and in writing, with management, regulators, and business unit leaders regarding Fair Lending and/or fair and responsible banking.

+ Demonstrated ability to perform a robust Fair Lending/fair and responsible banking risk assessment that is consistent with FDIC and CFPB expectations.

+ Ability to demonstrate effective time management skills.

+ Ability to participate in continuing education to maintain and/or enhance job performance.

+ Ability to travel on company business.

+ Ability to work all hours as needed.

+ Skill in using computer and Microsoft Office, including Outlook, Word, Excel, and PowerPoint.

Basic Qualifications

+ Bachelor’s degree or commensurate work experience, required.

+ 6+ years of increasing responsibility and work experience in Fair and Responsible Banking and/or Fair Lending, including experience with Fair Lending analytical models, matched pair file reviews, Fair Lending Compliance Management system processes, Fair Lending Risk Assessments and reporting, required.

+ 2+ years of work experience managing, leading, and/or supervising staff, required.

+ CRCM certification, preferred.

Job Expectations

Job Expectations: O perate customary equipment and technology used in a business environment, with or without accommodation.

Note: This description is not an exhaustive list of all job functions, duties, skills, and job standards required. Other job functions, duties, skills, and standards may be added. Management reserves the right to add or change the job requirements at any time.

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EEO Statement

Bank OZK is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, disability status, protected veteran status, or any other characteristic protected by federal, state, and local law. Member FDIC.