Compliance Analyst

American Heritage Credit Union, a $5+ billion credit union, has an immediate opening for a Compliance Analyst. This position will support the Enterprise Risk and Compliance department in the following areas: Compliance System Management, Bank Secrecy Act (BSA), quality control, account reviews, transaction analyses, high‑risk account enhanced due diligence, compliance reviews, and administrative duties. Conduct routine and ongoing branch training as needed and work with front‑line staff to ensure Office of Foreign Assets Control (OFAC) compliance. Promote a positive work environment through the resolution of broad‑based compliance issues. RESPONSIBILITIES INCLUDE Provide financial reporting and analysis of commercial lending operations on a requested case‑by‑case basis, including researching and interpreting data, making recommendations, and monitoring commercial loan performance. Assist Compliance Manager in developing, implementing and monitoring a comprehensive compliance management program to ensure the credit union follows all laws and regulations. Serve as a backup to the Compliance Manager and assist with the compliance management system, compliance training, and third‑party vendor management program. Conduct periodic reviews of existing policies and procedures to ensure accuracy, efficiency, and effectiveness in accordance with evolving regulations, legal requirements, and industry trends. Monitor the systems and controls in place to ensure compliance and prompt reporting compliance exceptions with recommendations for remediation to management. Track compliance issues and remediation plans. Perform follow‑up to ensure proper remediation or elevate unresolved or overdue items to the Compliance Manager. Must be thoroughly familiar with internal compliance issues and risk identification and be able to provide recommendations. Follow formal corrective action procedures to ensure compliance with policies and procedures and to avoid future issues. Ensure day‑to‑day credit union compliance with various laws and regulations including but not limited to ADE, ADA, AML, CIP, Red Flag Identity Theft Prevention, CDD, FinCEN, EFTA, ECOA, EEOC, ERISA, EFA, FCRA, FDCPA, FHA, FMLA, Flood Hazard Insurance, Regulation CC, HMDA, OSHA, OFAC, Patriot Act, Privacy Act, RESPA, Reserve Requirements, TILA, TISA, UDAAP, UCC. Monitor and analyze developing trends and changes in regulatory compliance, laws, rules and regulations, advise management of the impact of such trends and changes. Update compliance policy to account for new requirements. Assist with the implementation of regulatory changes. Sources include but are not limited to NCUA Regulatory Alerts, NCUA Letters to Credit Unions, NCUA Legal Opinion Letters, Interpretive Rulings, Policy Statements, and Risk Alerts. Assist the Compliance Manager with the sanctions compliance program to ensure the credit union is in compliance with OFAC. Must understand OFAC principles and search qualities and the entities reported through FinCEN and the boundaries of restricted countries via FinCEN and OFAC. Conduct regulatory compliance research, analysis and interpretation, using a high degree of effectiveness, tact and diplomacy to interpret and communicate regulatory compliance issues, including maintaining a compliance resource center. Assist management with ensuring that any change in policy or procedure is communicated to impacted departments, or the credit union as a whole, with clarity. Perform follow‑up to ensure new procedures are understood and implemented. Maintain regular, direct and informal communication with all levels of employees and management to build trust and obtain information to assist in maintaining an effective compliance program. Work with other departments to maintain consistency in credit union policies/procedures and monitor deviations and quality standards. Assist in the development or delivery of compliance training programs as needed. Assist the Compliance Manager with the vendor management program to ensure businesses conduct due diligence and ongoing monitoring reviews of their vendors. Ensure lines of business and associated vendors comply with company policies, procedures, laws and regulations. Monitor the remediation process of any identified issues and perform the necessary validation steps to ensure adequate remediation by the business units and vendors. Identify applicable regulatory compliance impact for new and/or revised products and services. Recommend changes to management to include both monetary and non‑monetary potential risk exposure (e.g., reputation, credibility). Maintain professional proficiency, ethics, and due care in the performance of assigned duties while maintaining an impartial, unbiased attitude and avoiding conflicts of interest. Must be familiar with the normal interpretation of credit union policies and procedures on shares and loans, credit union services to members, general office procedures; credit union goals and objectives and be able to recognize any deviations from those procedures, policies and goals. Review credit union forms, contracts, agreements, and disclosures to ensure compliance with applicable laws, rules and regulations. Provide suggestions to immediate supervisor as needed. Assist Risk Management with all risk assessments as needed to analyze current risks and identify potential risks that are affecting the credit union. Assist the ERM Manager with the maintenance of business continuity program including risk assessment, business impact analysis, exercising, training and awareness, and program improvement. Participate in projects that assist with meeting credit union strategic and business unit objectives. QUALIFICATIONS One year to three years of similar or related experience. Equivalent to a college degree (BS or BA in a relevant field). Professional certificate in field of expertise (e.g., Certified Regulatory Compliance Professional, Credit Union Compliance Expert, Certified Compliance Officer, etc.), or must complete compliance officer certification program such as the CUNA Regulatory Compliance School within two years of hire date. Professional, well developed interpersonal and public speaking skills necessary for servicing and communicating with internal staff as well as external auditors and management. Must be able to establish and maintain professional business relationships with management, regulatory agencies, auditors, appraisers and business associates. Proficient investigative and interpretative skills required. Must be able to analyze complicated factual situations, apply functional principles, and develop solutions. Excellent verbal and written communication skills. Keen eye for details and exceptional analytical, planning, organizational and problem‑solving skills. Reliable and thorough with a deep commitment to quality and accuracy. Must be self‑motivated and able to work independently with minimal supervision. Our commitment to your success is enhanced by our competitive salary commensurate with experience and an extensive benefits package including paid time off, health benefits, 401(k) with a generous company match, and future growth opportunities within the company. We work to maintain the best possible professional and environmentally friendly atmosphere for our employees. EOE M/F/D/V #J-18808-Ljbffr