Quality Compliance Associate (REMOTE)

Summary The Senior Compliance Analyst works under the direction of the Chief Compliance Officer and serves as a key member of the Bank's Compliance Department. This position supports the Bank's risk-based Compliance Management System (CMS), with emphasis on consumer compliance, CRA, HMDA, and fair lending where applicable, monitoring and testing, regulatory change, complaint oversight, risk assessment, corrective action, and examination support. The role provides second-line review and challenge across the bank customer journey, including mobile application acquisition, account and loan servicing, electronic communications, and third-party supported processes. The incumbent will perform independent compliance reviews, identify regulatory risks, support regulatory examinations, validate corrective actions, analyze compliance-related data, and provide compliance guidance to business units. The incumbent will assess proposed product and customer experience changes before launch and test whether implemented controls work as intended. CRA Compliance: Support the CRA Officer in administering the CRA program under the framework applicable to the Bank and its approved strategic plan. Review the integrity of data used for applicable CRA reporting and performance analysis; evaluate relevant lending, community development loans, investments, and services; and analyze performance against documented goals and community credit needs. HMDA & Fair Lending Compliance: Ensure compliance with HMDA Data requirements. Conduct Quarterly HMDA compliance reviews and transactional testing. Verify the accuracy and completeness of HMDA reportable data. Coordinate corrections with business units and validate remediation efforts. Analyze HMDA trends and identify potential Fair Lending risk or reporting concerns. Perform Fair Lending risk assessments, monitoring, and data analysis. Assist in evaluating lending practices for compliance with the Fair Housing Act, ECOA, and Fair Lending requirements. Compliance Testing & Monitoring Develop, implement, and execute compliance testing and monitoring activities aligned with the organization’s Compliance Testing & Monitoring Plan. Track and follow up on Corrective Action items arising from noted findings, and other relevant compliance-related reports. Coordinate with responsible managers to obtain status updates and supporting evidence and validate completed actions as assigned by the Chief Compliance Officer. Regulatory Change Management: Monitor regulatory developments issued by the OCC, CFPB, FDIC, Federal Reserve, FinCEN, and other applicable regulatory agencies. Assist business units with implementation of regulatory changes and best practices. Support policy, procedure, disclosure, and process updates resulting from regulatory developments. Maintain regulatory change management documentation and implementation tracking. Consumer Complaint Oversight: Review and analyze consumer compliance complaints received by the bank. Identify complaint trends, root causes, emerging risks, and potential unfair, deceptive, or acts or practices (UDAAP) concerns. Monitor corrective actions resulting from complaint-related issues. Prepare periodic complaint analysis and management reporting. Regulatory Support: Support regulatory examinations, internal audits, and independent reviews by coordinating requests, preparing supporting documentation, tracking responses, and monitoring corrective action plans through resolution. Assist the Chief Compliance Officer in preparing reports, presentations, and compliance updates for Management Committees, the Compliance Committee, and Board of Directors, including drafting meeting minutes and related materials. Provide compliance guidance to business units regarding regulatory requirements, new products and services, policies, procedures, disclosures, and operational processes. Support compliance risk assessments, regulatory change management activities, and ongoing enhancement of the Bank's Compliance Management System (CMS). Compliance Training Program: Assist in administering the Bank's Compliance Training Program. Coordinate regulatory training assignments and completion tracking. Compliance training program for all staff, which consists of onboarding of new hires and assigned E-learning to all affected Bank management/staff. Perform others related compliance projects assigned by the Chief Compliance Officer. Bachelor degree in Business, Finance, or Accounting preferred. At least seven years of banking experience, including at least three (3) to five (5) years of direct experience in Consumer Compliance, CRA, HMDA, Fair Lending, Compliance Monitoring, Audit, Risk Management, or a related regulatory function. Diverse experience across multiple lines of business and/or consumer products. Demonstrated knowledge of consumer banking regulations and compliance management systems. Experience conducting compliance reviews, testing, monitoring, risk assessments, or audit activities. Experience supporting regulatory examinations, audits, and corrective action management. Spanish and English) Transactional testing and project management experience Experience in areas including statistical analysis, database management, internal communications, auditing, risk assessments, and financial reporting preferred Strong analytical and research skills and adept at examining and synthesizing data Strong computer technology skills and proficient with Microsoft applications Able to conduct research projects with minimal supervision/guidance Able to work independently and on diversified projects while meeting deadlines Computer Skills Ability to operate IBM compatible personal computers and terminals. Ability to use Microsoft Word (or similar word processing program) at: expert level_, intermediate level X, or beginner level. Ability to use Microsoft Excel (or similar spreadsheet program) at: expert level_, intermediate level Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Travel Requirements Travel requirements are low and are almost exclusively limited to local travel.