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Essential Duties and Responsibilities

• Performs RJ Bank fair lending compliance reviews and analyzes the fair lending risk within various business units.

• Performs periodic compliance monitoring and prepares reports summarizing the Bank's fair lending activity.

• Supports the comparative file/matched pair analyses for Residential, Consumer, and Small Business lending portfolios.

• Supports the Home Mortgage Disclosure Act (HMDA) compliance program by reviewing reportable transactions, compiling data, and performing validity and quality edit reviews.

• Provides advice and guidance to the Bank's First Line of Defense concerning HMDA data collection and Fair Lending-related topics.

• Completes and maintains the Bank’s fair lending risk assessments.

• Participates in the Bank’s Complaint program oversight and management.

• May coach, train, and mentor other Compliance associates.

• May assist with developing and implementing continuing education and training programs for the department in conjunction with management.

• Establishes objectives and develops processes and procedures to ensure adherence to all regulatory requirements.

• Partners with business units to recommend policy and process changes to Senior Management.

• Ensures effective coordination occurs within assigned work groups and with other work groups.

• Serves as a resource on compliance issues to clients and staff.

• May serve as a compliance liaison on various committees and projects representing the department's interests.

• Serves as a member of the relevant fair and responsible banking committees and/ or working groups as needed.

• Research regulatory updates to identify linkages and trends and apply findings.

• Performs periodic reporting on compliance and operational issues as required.

• Assists in preparing the operational budgets for assigned functional areas.

• Balances conflicting resource and priority demands.

• Performs other duties and responsibilities as assigned.

Knowledge, Skills, and Abilities

Advanced Knowledge of:

• Fair lending-related regulations (i.e., HMDA, ECOA, FHA, CRA, UDAAP) with a minimum of three years of experience

• Familiarity with Bank complaint processes and exceptional customer service skills

• Concepts, practices, and procedures of banking compliance and knowledge of the securities industry a plus

• Rules and regulations of: Federal Reserve System; Consumer Financial Protection Bureau (CFPB); Federal Deposit Insurance Corporation (FDIC); Federal Financial Institutions Examination Council (FFIEC); Office of the Comptroller of the Currency (OCC); state banking regulatory agencies.

• Investment concepts, practices, and procedures used in the banking and financial services industry.

• Principles of banking and finance industry operations.

• Regulatory exams, inquiries, and internal reviews.

Advanced skill in:

• Performing fair lending comparative file reviews for underwriting and pricing.

• Financial data analysis model development, model review, and validation.

• HMDA data integrity file review experience.

• Identifying loan origination systems controls and data is preferred.

• Operating standard office equipment and using required software applications.

• Planning and scheduling work to meet regulatory, organizational, and regulatory requirements.

• Identifying and applying appropriate compliance monitoring procedures and tests.

• Responding to regulatory inquiries and examination preparation tasks

Preparing oral and/or written reports.

• Investigating compliance issues and irregularities.

• Making rule-based and analytical decisions.

• Strong verbal and written communication.

Ability to:

• Coach and mentor others.

• Partner with other functional areas to accomplish objectives.

• Facilitate meetings, ensuring all viewpoints, ideas, and problems are addressed.

• Attend to detail while maintaining a big-picture orientation.

• Work concurrently under pressure on multiple tasks and meet deadlines in a fast-paced work environment with frequent interruptions and changing priorities.

• Use appropriate interpersonal styles and effectively communicate with all organizational levels, both orally and in writing.

• Work independently as well as collaboratively within a team environment.

• Establish and maintain effective working relationships at all levels of the organization.

• Maintain confidentiality.

• Maintain currency in laws, rules, and regulations related to compliance in assigned functional areas.

• Interpret and apply policies and identify and recommend changes as appropriate.

• Quantitatively and/or qualitatively process data.

• Formulate and implement department strategies consistent with long-term company goals.

• Promote team cohesiveness, cooperation, and effectiveness.

Educational/Previous Experience Requirements

+ Bachelor’s degree (B.A. /B.S.) and a minimum of eight (8) years of experience in Compliance and/or the financial services industry preferred.

~or~

+ Any equivalent combination of experience, education, and/or training approved by Human Resources.

Licenses/Certifications

+ None Required.

+ CRCM Certification Preferred

+ Additional licenses/certifications demonstrating the candidate’s knowledge/expertise in industry regulation and concepts preferred.