Compliance Director

Company Description

This is a rare opportunity to serve as the senior compliance voice embedded within B2 Bank during a period of deliberate, well-governed growth. This role The Compliance Director will own the Bank's compliance program execution, OCC exam management, policy infrastructure, regulatory implementation, daily compliance requests and business support. This individual will be responsible for providing the bank with structured compliance guidance, well-documented decisions, and demonstrate strong comprehension in banking regulation (with Fintech cross-over as a plus). The Compliance Director will be comfortable operating in a fluid BHC/FHC structured entity, providing support and sound decision-making on products that leverage the unique banking-broker dealer relationship. While not necessary, experience with a bank merger is an added bonus.


Job Description

The Compliance Director is responsible for building and managing the Bank's compliance management system, owning OCC examination preparation and execution, and ensuring the Bank's products, operations, and growth activities remain within regulatory requirements. This individual must be equally comfortable in digital banking and traditional branch environments, capable of navigating regulatory ambiguity without the luxury of large compliance teams, and skilled at leveraging technology, including AI tools, to operate with the efficiency a dynamic, growth-stage institution demands.


This is a senior individual contributor role. The successful candidate brings deep compliance expertise, strong independent judgment, and the ability to drive outcomes without organizational infrastructure around them.


Responsibilities

• Manage examination timelines, information requests, and response quality across all examination types

• Maintain and mature the Bank's compliance management system within the three-lines-of-defense framework

• Own the Bank's compliance risk assessment, policy library, and annual compliance testing calendar

• Ensure compliance program coverage across all BHC products, including digital and traditional banking, commercial lending, third-party partner services, bank-servicing, and branch operations

• Coordinate with the designated BSA Officer on BSA/AML program alignment, maintaining clear lanes of ownership between compliance and AML functions

• Lead the Bank's fair lending program, including HMDA, ECOA, and fair lending risk assessment

• Own CRA program administration, including CRA plan, data integrity, and examination readiness

• Manage deposit operations compliance across digital and branch channels, including Regulation E, Regulation DD, bank-servicing, and applicable consumer protection requirements

• Support planned product expansions (collateralized consumer lending, IRA trustee services) with regulatory analysis and compliance build-out

• Provide compliance oversight for C&I and CRE lending activities, including adherence to applicable lending laws and OCC guidance

• Partner with credit and operations teams on compliance requirements for commercial loan origination through servicing

• Maintain compliance metrics, issue tracking, and management reporting in a form appropriate for OCC and Board review

• Navigate regulatory ambiguity with a constructive, solutions-oriented approach - charting a defensible path forward rather than defaulting to prohibition

Salary range 160,000 - 195,000 USD


Qualifications

Required

• 5-7 years of bank compliance experience, with meaningful exposure to OCC-supervised institutions

• Demonstrated expertise in consumer compliance: fair lending, CRA, Regulation E, Regulation DD, and related consumer protection requirements

• Direct experience with OCC examinations, including document production, examiner communication, and finding remediation

• Working knowledge of operations compliance in both digital and traditional branch environments

• Strong written communication skills - capable of producing examination responses, Board materials, and regulatory correspondence independently

• Comfortable operating as an individual contributor in a fast-paced, resource-constrained environment

• Demonstrated ability to navigate regulatory ambiguity and develop practical, defensible compliance positions

Strongly Preferred

• Demonstrated fluency with AI tools in a compliance context - regulatory research, policy drafting, exam preparation, monitoring, or documentation

• Experience with digital banking products and platforms, including high-yield savings, consumer lending, mortgages, lending ratios, or payments

• Familiarity with commercial lending compliance (C&I and/or CRE)

• Experience in a fintech, holding company, or multi-entity regulated structure

• BSA/AML familiarity sufficient to coordinate effectively with a designated BSA Officer

• Experience with IRA trustee services compliance or collateralized consumer lending a plus

Education

• Bachelor's degree required

• CRCM, CERP, or comparable compliance certification required

Additional Information

The right candidate is someone who has spent years inside regulated banking institutions, understands what OCC examiners look for, and knows how to build compliance infrastructure that holds up under scrutiny. They are equally capable in a branch environment and a digital one, not because they've done both simultaneously, but because they understand the distinct compliance demands of each and can bridge them.


Critically, this person is not a process-follower waiting for a rulebook. Regulatory ambiguity is a daily reality here. We need someone who can reason through an unsettled question, document their analysis, and move the institution forward with a defensible position.


Finally, this role rewards efficiency. The candidate who thrives here is one who embraces modern tools, including AI, as force multipliers, not as threats to the craft. The ability to produce high-quality compliance work with lean resources is both a requirement and a differentiator.


M1 is an equal opportunity employer and values diversity across the company. M1 does not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.