Senior Compliance Analyst

Job Summary The Senior Compliance Analyst is a critical member of Mountain America’s Compliance Risk team, a 2nd line of defense function, that assists in the management of the credit union’s Compliance Management System (CMS) to ensure the credit union maintains a strong CMS that is effective at managing compliance risk and preventing violations or enabling early detection of potential violations of regulatory requirements and internal policy. The Senior Compliance Analyst maintains expert-level knowledge of operations and deposit account regulations and credit union policies and assists in providing end-to-end compliance support for specific regulations and credit union products, services, and programs. Job Description To be effective, an individual must be able to perform each job duty successfully. Maintains expert-level knowledge of applicable regulations and credit union policies to support strategic planning, perform compliance assessments, assess company practices, support research and risk processes, and manage projects Thoroughly document and report findings to all levels of management Identify control improvements for monitoring risk Collaborate with other business units to obtain documentation for compliance purposes Review internal operating policies, programs, and procedures periodically to ensure adherence to laws, rules and regulations Assist in developing and reviewing compliance training materials related to operations and deposit account processes to ensure adherence to laws, rules and regulations Document assessments and reviews through formalized reports including an analysis of the findings, issues, recommendations and remediation Responsible for resolution of compliance issues through oversight of team performance of compliance assessments, providing insight and feedback necessary to the development of effective remediation plans Assist the Compliance Risk team with inquiries related to operations and deposit account regulations, and/or Lending regulations best practices and industry standards As a subject matter expert, advises in the creation or adaptation of existing processes and procedures to ensure compliance Monitor and partner through the implementation of regulatory changes into business operations in a comprehensive, timely, and collaborative manner ensuring updates to processes and procedures are formalized through written procedures Develop and maintain an effective working relationship with BUs and all levels of management Execute assigned functions including planning, reporting, and finalization; execute work in conformance with department standards, budgets and deadlines Utilize judgment and responsibility in fulfilling department functions using the credit union policies and the hierarchy of decision making Pertaining to lending, Complies with all regulations as required by law, including but not limited to Reg. B, Reg. Z, RESPA, HMDA, Fair Lending, FCRA, UDAAP and CARD Act Complies with all regulations as required by law, including but not limited to BSA, OFAC, FACT Act, GLBA, Regulation CC (Funds availability), Regulation DD (TISA), Regulation E, UDAAP, and other regulations as required by law as it relates to his/her position Perform other duties as assigned KNOWLEDGE, SKILLS, and ABILITIES The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. Experience Minimum 8 years progressive experience in a financial institution with a minimum of 4 years direct experience in research, risk management and/or compliance. Education Bachelor’s degree from an accredited institution in business, finance or related field. Experience may be substituted for formal education. Licenses, Certifications, Registrations N/A Managerial Responsibility N/A Computer/Office Equipment Skills Advanced skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel. Experience with analytical and reporting software preferred. Experience with Symitar, Archer, ACES or another financial institutions software. Language Skills Demonstrated ability to clearly express ideas, methodology, results and recommendations verbally, in writing and through insightful reports and graphic illustrations. Demonstrated ability to document outcomes and present information in a manner appropriate for key stakeholders and all levels of the organization. Other Skills and Abilities Strong business acumen and ability to interface with management; Strong understanding of financial institution operational compliance and risk; Strong knowledge and experience with operational compliance regulations and programs; Ability to work both autonomously and collaboratively in a fast-paced environment; Self-starter with strong organizing and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines; Adaptive to change, responds positively to altered circumstances or conditions; Possess a desire and willingness to learn and continually update knowledge base on regulations, financial concepts, strategies, systems etc.; Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies; Excellent inter-personal skills including the ability to lead and collaborate with ad-hoc teams; Data analytics and data validation skills and proficiency in business data analysis (MS Excel, etc.) Physical Abilities / Working Conditions Physical Demands: Ability to sit, talk and hear consistently; Ability to stand, walk, and use hands to handle or reach occasionally; Vision Requirements: Close vision (clear vision at 20 inches or less); Distance vision (clear vision at 20 feet or more); Weight Lifted or Force Exerted: Ability to lift up to 10 pounds occasionally. Environmental: There are no unusual environmental factors (such as a typical office); Noise Environment: Moderate noise (business office with computers and printers, light traffic). Job Eligibility ***This Job is not eligible to be performed in Colorado or Connecticut, either remotely or in-person.*** Company Information Mountain America Credit Union is an EEO/AA/ADA/Veterans employer. Follow @MountainAmericaLife on Facebook and Instagram to see why our team members love working at Mountain America! Mountain America Credit Union is one of the foremost financial institutions in the country, with more than 95 branches located in 5 states (Utah, Idaho, Nevada, Montana, and Arizona). We believe that a healthy balance between work, home life, and play is essential to our team members and our success. We offer a friendly, comfortable and inclusive work environment, fun employee activities and exciting charity events to ensure that no day is dull at Mountain America. Our purpose is to help members enjoy a good life by providing them a positive incentive to save and manage their finances. We also give members easy access to their accounts and allow them to control their funds in a variety of ways, including ATMs, online home banking, mobile banking, direct deposit, automatic payment options and access through a large branch network. When making decisions, we always put members' needs first. It's just the way we do business and a part of the "people helping people" philosophy of credit unions. #J-18808-Ljbffr