Director Enterprise Compliance & Fair Lending

Overview

Work Arrangement: 

***After the initial training period, this is a hybrid role, working onsite in our Wilmington, DE or Sioux Falls, SD office.***

The Director of Enterprise Compliance & Fair Lending provides second-line oversight of the Bank’s Fair Lending Program and key components of the Compliance Management System (CMS). The role partners closely with the Deputy and Chief Compliance Officer to ensure the Bank maintains a robust, risk-based compliance framework aligned with OCC supervisory expectations and safe and sound banking practices. This position supports strong governance, independent risk oversight, and integration of compliance risk management within the Bank’s broader enterprise risk framework. The role is structured as a succession-track leadership position and is expected to develop into a Head of Advisory or Deputy CCO role, with potential progression to Chief Compliance Officer.

At The Bancorp, we’ve spent more than 25 years driving innovation in the financial services industry. As one of the first banks to embrace fintech, we combine technology, expertise and a forward-looking approach to deliver creative, real-world solutions. We work side by side with our partners to help them grow and innovate with confidence. Across Fintech Solutions, Institutional Banking, Commercial Lending and Real Estate Bridge Lending, we provide the people, processes, technology and banking capabilities that turn bold ideas into outcomes.

Join a team that brings urgency and rigor to every challenge and plays a direct role in driving growth for our clients and the communities we serve.

Key Responsibilities

• Provides enterprise-level oversight and continuous enhancement of the Bank’s Fair Lending Program and Compliance Management System (CMS), ensuring compliance risks are effectively identified, measured, monitored, and controlled in alignment with OCC supervisory expectations.
• Leads and manages the Fair Lending/Fair Banking Program, including annual enterprise risk assessments and oversight of statistical analyses related to pricing, underwriting, redlining, and marketing.
• Provides credible second-line challenge to business line activities, models, analytics, and control design to ensure fair lending and regulatory compliance risks are appropriately mitigated.
• Oversees and coordinates OCC fair lending and compliance examinations, including exam strategy, regulatory interface, narrative development, and remediation governance for MRAs and related findings.
• Partners with functional compliance leaders to ensure cohesion, consistency, and ongoing maturity across CMS components, including risk assessment methodology, monitoring and testing governance, policy standards, issue management, complaint oversight, and regulatory change management.
• Drives continuous improvement and modernization of the CMS, enhancing risk-tiered monitoring, quantitative compliance risk indicators, documentation standards, audit defensibility, and governance discipline.
• Maintains comprehensive command of all compliance-related findings and issue management matters, including root cause analysis, remediation status, risk impact, and executive-level narrative positioning.
• Ensures remediation efforts are sustainable, independently validated, and defensible under regulatory scrutiny, including oversight of MRA/MRIA tracking and closure support.
• Partners with the CCO in the development and enhancement of executive and Board-level compliance reporting, including dashboards, metrics, and supporting risk analysis.
• Translates compliance findings and emerging regulatory risks into clear articulation of enterprise risk exposure, control effectiveness, and strategic impact.
• Participates in enterprise strategic initiatives (e.g., new products, fintech partnerships, M&A), providing proactive compliance advisory guidance and credible challenge.
• Serves as delegate to the CCO when required, contributing to long-term compliance strategy, bench strength development, and evolution of the Bank’s multi-year compliance roadmap.
• Performs other duties as assigned.

Qualification Requirements

• Bachelor’s degree in finance, Risk Management, Information Systems, Business-related field or an equivalent combination of training and experience.
• 12+ years of progressive compliance leadership.
• Direct experience in OCC-regulated institution or equivalent prudential regulator.
• Owned enterprise CMS in institution >$5B.
• Demonstrated Board presentation experience.
• Led at least one complex OCC exam cycle.
• Experience remediating significant MRAs or formal findings.
• Multi-product or multi-entity oversight experience.
• Advanced degree or compliance certification (CRCM, JD, etc.).
• Strategic thinker with enterprise risk perspective.
• Credible, composed regulator-facing presence.
• Strong written and verbal executive communication.
• Independent yet pragmatic risk manager.
• Capable of stepping into CCO role within 3–5 years.

Additional Information

This job will be open and accepting applications for a minimum of five days from the date it was posted.

Working at The Bancorp Bank, N.A. and Benefits Information:  

Company Culture & Background Screening

Company Culture at The Bancorp Bank :

The Bancorp Bank, N.A. is an EQUAL OPPORTUNITY EMPLOYER and will not discriminate on the basis of race, color, religion, gender, gender identity, sexual orientation, pregnancy, citizenship, national origin, age, disability, genetic information, veteran status or other protected category with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment.

Employment with The Bancorp Bank, N.A. includes successfully passing a background check including credit, criminal, education, employment, OFAC, and social media background history.

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