Deposit Compliance Officer AVP

Job Summary

We are recruiting for a direct hire AVP Deposit Compliance Officer opportunity with a well-established banking organization. This role serves as a subject matter expert for deposit compliance, consumer protection, branch banking, digital banking, payment regulations, and deposit operations.

This is an excellent opportunity for a compliance professional who enjoys high-visibility work, cross-functional collaboration, and direct interaction with senior leadership, operations teams, auditors, and regulators. The environment is professional, stable, and team-oriented, with an emphasis on sound banking practices, strong compliance culture, community involvement, and continuous improvement.

The AVP Deposit Compliance Officer will play a key role in strengthening the compliance framework, supporting regulatory change management, conducting second-line monitoring and testing, and helping ensure the bank remains aligned with applicable federal and state banking regulations.

Key Responsibilities

- Serve as a subject matter expert for deposit operations, consumer protection, branch banking, digital banking, and payment-related regulations.
- Coordinate regulatory change management activities, including identifying, researching, implementing, and monitoring new or updated requirements.
- Conduct compliance monitoring and testing, including scope development, testing scripts, transaction reviews, work papers, and reporting.
- Partner with branch banking, branch operations, central operations, compliance, audit, and senior leadership to support policy implementation and issue resolution.
- Prepare compliance reports for senior management and board-level review, including findings, trends, risks, and remediation status.
- Assist with complaint reviews, audits, examinations, reporting requirements, recordkeeping, and other compliance initiatives.

Compensation and Benefits

- Salary range: $85,000 to $140,000 per year.
- Job type: Direct hire.
- Work arrangement: In-office role.
- Location: Alameda, CA. Recruiter-provided details also reference Santa Rosa or Walnut Creek office options.
- Minimum of 10 CRA volunteer hours per year, typically scheduled during business hours.
- CRA volunteer time is compensable, and mileage is reimbursed.

Required Qualifications and Skills

- Lead deposit compliance monitoring and testing activities across branch, digital banking, payment, and deposit operations functions.
- Support regulatory change management and implementation of federal and state banking compliance requirements.
- Prepare compliance reporting for senior management, board review, audits, examinations, and issue follow-up.
- Collaborate with business units to evaluate controls, resolve compliance concerns, and strengthen policies and procedures.

- 5 to 6 years of banking compliance experience for AVP-level consideration, with a focus on deposit operations and consumer protection.
- Strong knowledge of federal and state banking regulations, including Reg E, Reg DD, BSA/AML, UDAAP, and related consumer protection requirements.
- Ability to conduct compliance testing, monitoring, research, documentation, and regulatory analysis.
- Experience working with branch banking, deposit operations, digital banking, payments, audits, or regulatory examinations.
- Proficiency with Microsoft Office Suite, core banking systems, banking operations software, and GRC tools.
- Ability to read, interpret, and apply technical, legal, and regulatory language.
- Strong written and verbal communication skills, including the ability to present findings clearly to leadership.
- Highly organized, detail-oriented, analytical, and able to manage multiple priorities in a fast-paced environment.
- Self-motivated with sound judgment, confidentiality, critical thinking, and strong problem-solving skills.
- Ability to work independently and collaboratively across departments with minimal supervision.

Preferred Qualifications

- CRCM certification preferred.
- 5 to 8 years of experience may support consideration for a higher-level VP Deposit Compliance Officer role.
- Experience training bank staff or leadership on deposit compliance and regulatory requirements.
- Experience reviewing marketing collateral, disclosures, customer complaints, compliance policies, and procedures.
- Prior involvement with independent audits, state examinations, federal regulatory examinations, or board-level compliance reporting.

Equal Opportunity Employer / Disabled / Protected Veterans

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We also consider for employment qualified applicants regardless of criminal histories, consistent with legal requirements, including, if applicable, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment-qualified applicants with arrest and conviction records, including, if applicable, the San Francisco Fair Chance Ordinance. For Los Angeles, CA applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.