Assurance Compliance Officer

About Coastal Community Bank: Coastal Community Bank is a premier, internationally recognized financial infrastructure powerhouse, Banking-as-a-Service (BaaS) pioneer, and fintech enablement leader on an absolute mission to power and secure the next generation of digital finance. By combining deep, institutional banking reliability with cutting-edge software deployment strategies, Coastal serves as the uncompromised financial chassis routing modern transactions for millions of individual consumers and fast-scaling enterprise brands alike. Operating like a group of high-velocity entrepreneurs who value structural impact, execution speed, and continuous process refinement, the bank specializes in unbottlenecking complex multi-tenant regulatory frameworks. Coastal Community Bank provides high-agency risk professionals with an uncompromised remote canvas to leverage state-of-the-art GRC software, manipulate advanced data analytics models, and govern risk mitigation matrices safely across the United States.

Position Overview

We are seeking a highly analytical, investigative-minded Compliance Assurance Officer II to join our core centralized Compliance collective in a full-time remote capacity across the United States. In this high-leverage and outcome-driven quality testing seat, you will step up to claim true individual strategic operational accountability for developing, executing, and scaling our enterprise-wide compliance monitoring and testing frameworks. Shifting completely away from routine customer service script tracking, basic administrative log compilation, or passive inbound queue observation, you will operate as a principal regulatory defense architect—conducting risk-based analytical deep dives to validate the bank’s and its partners’ adherence to federal and state banking laws. This position requires an agile financial audit veteran with 5+ years of combined bank compliance background who evaluates consumer lending and deposit accounts fluidly natively using Legal Consultant compliance parameters, tracks remediation milestone schedules smoothly natively using Project Management communication loops, and monitors emerging digital marketing and transaction channels confidently inside integrated cloud networks.

Key Responsibilities

• Risk-Based Compliance Testing Execution: Perform complex, independent monitoring and testing activities with minimal supervision, designing robust risk-based audit work papers, procedures, and evaluation templates cleanly natively utilizing Legal Consultant guidelines.
• Immaculate Document and Audit Curation: Document all assurance activities accurately and thoroughly in accordance with rigid department standards, ensuring the explicit context, testing scope, evidence trails, and final data findings clearly support written conclusions.
• Root-Cause Analysis and Reporting: Formulate, write, and distribute highly clear, scannable compliance reporting dashboards that summarize test results, uncover systemic root causes, and present actionable remediation recommendations to business leaders.
• Remediation Plan Validation: Verify and audit the implementation of corrective actions submitted by issue owners, ensuring deployed fixes completely eliminate the discovered root cause vulnerabilities.
• GRC Status Governance and Tracking: Monitor and manage the continuous completion of targeted action timelines, pulling monthly progress updates from across the bank and updating transaction statuses natively leveraging enterprise Governance, Risk, and Compliance (GRC) software tools natively leveraging Project Management guidelines.
• Data Analytics and Automated Auditing Integration: Identify and deploy automated testing scripts, utilizing advanced data analytics and statistical processing methodologies to continuously evaluate control activities.
• Complaint Trend and Gap Diagnostics: Conduct systematic complaint data analysis and behavioral evaluation, parsing unstructured customer logs to identify emerging consumer compliance gaps and risk exposures.
• Omni-Channel Marketing Social Listening: Harness specialized AI-driven software and social media listening platforms to run ongoing marketing compliance tracking, checking public-facing partner ads for regulatory compliance.
• Annual Compliance Assessment Contribution: Assist the core management team with the structural compilation, calculation, and refinement of the bank’s global annual compliance risk assessment matrix.

Required Skills & Qualifications

• A minimum of 5 years of verified, combined professional history running bank regulatory compliance auditing, financial risk management consulting, or corporate compliance testing.
• Mandatory Testing Focus Experience: At least 1 year of documented history explicitly executing hands-on compliance testing and/or quality assurance monitoring within a regulated banking setup.
• Proven, authoritative technical command of consumer protection laws, requiring complete functional familiarity with Regulation E, Truth in Savings, UDAAP parameters, FACTA, Reg Z (Truth in Lending), Reg B (Equal Credit Opportunity Act), and the Fair Credit Reporting Act (FCRA).
• Dual Regulatory Sourcing Background: Documented history managing compliance controls across BOTH lending and deposits regulations required.
• Expert-tier capability reading governmental text, analyzing regulatory guidance files, and writing evidence-backed audit reports natively utilizing Legal Consultant compliance models.
• Practical operational familiarity organizing cross-functional task milestones, collecting monthly status briefs, and routing tracking updates inside GRC frameworks natively using Project Management methodologies.
• Expertise evaluating complex datasets for anomalies, processing structural trend analytics, and using software platforms to run digital tracking workflows.
• Outstanding written, verbal, and interpersonal communication attributes in fluent English, enabling absolute confidence when summarizing complex compliance concepts before all corporate tiers.
• Location Context: Position structured as a 100% remote layout open exclusively to qualified banking risk professionals based permanently and resident within the United States .

Preferred Strategic Indicators (Nice to Have)

• Possession of a recognized, industry-vetted technical credential, such as a Certified Regulatory Compliance Manager (CRCM) badge or formal completion of specialized programs like the ABA Graduate School of Compliance Risk Management.
• Prior commercial compliance history operating explicitly within the high-performance spaces of a hyper-growth Banking-as-a-Service (BaaS) provider or a joint fintech-traditional banking ecosystem.
• An outcome-driven personal philosophy rooted in high critical thinking, a creative "Un-Bankey" mindset that embraces gray problem spaces, and an intense passion for building long-lasting relationships founded on integrity and trust.

What We Offer

• Vetted United States Banking Salaried Blueprint: An highly competitive full-time base compensation package structured transparently between $113,169 and $141,462 USD per year , with new hires typically landing within the first third of this listed tier based on professional leveling, supplemented by lucrative performance cash bonus tracks.
• The exceptional professional canvas to claim a critical oversight seat directly helping to define the continuous compliance models protecting an international BaaS industry leader.
• Profound work-from-home remote parameters offering a 100% virtual framework across America, complete scheduling trust, and zero physical geographic office commuting friction.
• Immediate baseline access to premium comprehensive healthcare protections, providing three alternative medical plan configurations, a matching Health Savings Account (HSA), and Flexible Spending Accounts (FSA) for healthcare and dependent care.
• Access to elite financial accumulation and personal balance provisions, including corporate dental and vision tracks, company-paid basic life insurance, income-protecting short/long-term disability plans, and supplemental accident/critical illness packages.
• Generous retirement and rest benefits, featuring a competitive traditional 401(k) plan with company matching contributions, 11 paid national holidays annually, and generous paid time off (PTO) allocations for vacation and sick recovery.