Regulatory Compliance Specialist

All Jobs > Regulatory Compliance Specialist Full-time Description This position is fully remote and open to candidates currently residing in Washington, Idaho, Montana, or Oregon. Your Purpose The Regulatory Compliance Specialist is responsible for supporting the credit union’s compliance management system (CMS) by ensuring adherence to all applicable federal, state, and local laws and regulations. This role serves as a subject matter expert in regulatory compliance, with a strong focus on deposit and lending regulations. The Specialist interprets regulatory requirements, implements changes into operational practices, and provides guidance to internal stakeholders to ensure ongoing compliance and risk mitigation. You are responsible for Regulatory Expertise & Interpretation Maintain a strong working knowledge of the credit union regulatory environment, including applicable federal and state laws Research, interpret, and apply complex regulatory requirements Translate regulatory requirements into practical guidance and operational practices to ensure ongoing compliance Disseminate information, answer questions, and be a subject matter expert for regulatory compliance related issues Review compliance documentation to ensure alignment with program requirements and applicable regulations May create reports and provide information to regulatory agencies Policy, Procedure, Disclosure & Regulatory Change Management Develop, review, and update policies, procedures and disclosures to align with evolving regulatory requirements Lead and support implementation of regulatory changes by assessing organizational impact Coordinate with business units to ensure updates are effectively incorporated into processes, systems, and controls Compliance Risk Assessment & Monitoring Identify, assess, and communicate compliance risks across the organization Perform and support compliance risk assessments, monitoring, and testing activities Evaluate adherence to regulatory requirements and recommend mitigation strategies Track and follow up on identified gaps and corrective actions Develop, maintain, and update the compliance monitoring schedule based on risk assessments, regulatory requirements, and organizational priorities Adjust monitoring schedules based on emerging risks, audit findings, and regulatory changes Serve as the primary compliance administrator for the Hub, ensuring accuracy, maintenance, and alignment of regulatory content and resources Will perform ongoing risk-based compliance monitoring reviews to validate compliance, quality and collaborate with management and recommend corrective actions as needed Prepare, review, and submit HMDA (Home Mortgage Disclosure Act) data, including ensuring data integrity, completeness, and regulatory compliance Audit & Examination Support Support internal audits and regulatory examinations by preparing documentation and responding to requests Ensure all materials are accurate, organized, and delivered in a timely manner Assist in tracking findings and contributing to appropriate corrective actions Collaborate effectively with business units to provide regulatory guidance and support Serve as a trusted advisor to help teams understand compliance requirements Assist in implementing solutions that align with regulatory expectations and operational needs add project Schedule and facilitate regular meetings with business units to discuss regulatory requirements, emerging risks, and compliance-related updates Effectively manage conflict and navigate differing opinions, including situations where business leaders may choose not to accept compliance recommendations, while maintaining professionalism and working toward appropriate risk-based outcomes Serves as liaison for other departments on regulatory compliance and may support other team members on projects Actively participate in and provide compliance guidance on cross-functional projects across the credit union to ensure alignment with regulatory requirements Escalate unresolved compliance risks or concerns to appropriate leadership when necessary Analysis, Problem Solving & Process Improvement Apply analytical and critical thinking skills to assess complex scenarios Identify patterns, trends, and discrepancies in data Proactively recommend process improvements Manage competing priorities while maintaining accuracy and attention to detail Communication & Training Support Communicate clearly and effectively, both verbally and in writing Explain complex regulatory requirements in a simple and understandable manner Support compliance awareness by reinforcing expectations across the organization Continuously update the credit union on regulatory compliance and state law changes Provide information for training opportunities to other business units Support and assist in ensuring credit union regulatory compliance training is updated with appropriate regulations and laws Develop and deliver compliance training based on emerging risks, audit findings, regulatory changes, and identified business unit needs Demonstrate professionalism, diplomacy, and tact in all interactions Work independently with a proactive and resourceful approach Exercise sound judgment in decision-making Maintain strict confidentiality of sensitive records and information Compensation Full-Time Non-Exempt $33.02-$49.54 hourly *This figure shown represents the minimum and maximum of the range for this role. Individual offers are made dependent upon a candidate’s experience, education and skill level. Success Looks Like Our individual contributor success competencies, coupled with our CORE Values, drive our ability to fulfill our Promise of "Guiding members in the direction of their dreams". Action Oriented: Takes on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm Collaborates: Builds partnerships and works collaboratively with others to meet shared objectives. Readily acts on challenges, without unnecessary planning Instills Trust: Gains the confidence and trust of others through honesty, integrity, and authenticity Communicates Effectively: Develops and delivers communications that convey a clear understanding of the unique needs of different audiences Member Focused: Builds strong member relationships and delivers member-centric solutions, both internally and externally Self-Development Focused: Actively seeks new ways to grow and be challenged using both formal and informal development Requirements Expertise You Need Education & Experience Bachelor’s degree required. Minimum of 5+ years of experience in regulatory compliance, audit, risk management, or a related function within financial services. Strong knowledge of deposit and lending compliance regulations (e.g., Reg CC, Reg E, Reg Z, Fair Lending, UDAAP). Demonstrated experience interpreting, researching, and applying regulatory requirements, including implementing changes into operational practices. Proven ability to collect, review, and analyze regulatory information to ensure organizational compliance. Equivalent combination of education and experience will be considered. Professional certification preferred (CRCM or other). Capabilities Working knowledge of most Microsoft Office applications, including expertise with Word, Excel and Outlook Strong working knowledge of the credit union regulatory environment. with the ability to research, interpret, and apply complex federal and state regulations Excellent written and verbal communication skills, including the ability to clearly explain complex regulatory requirements and procedures in a simple, understandable manner. Experience developing, reviewing, and updating policies and procedures to ensure regulatory compliance Ability to collaborate effectively with business units and provide regulatory guidance and support. Experience supporting internal audits and regulatory examinations, including documentation and response preparation Resourceful and proactive, with the ability to work independently, exercise sound judgment and maintain confidentiality of records. Ability to identify, assess, and communicate compliance risks, including experience performing compliance risk assessments and recommending mitigation strategies Experience conducting compliance monitoring, testing, or quality assurance reviews Ability to manage and implement regulatory changes, including assessing impact and coordinating across business units Analytical mindset with strong attention to detail and the ability to identify patterns and discrepancies in data Actively displays diplomacy, tact and professionalism in actions and appearance Possessing a cooperative and positive attitude toward members and credit union employees Ability to apply critical thinking to complex scenarios, proactively identifies opportunities for process improvement, and effectively balances competing priorities using strong organizational, analytical, and problem-solving skills To perform the essential functions of this position an employee must be able to meet the following workplace demands: ability to converse with others, detect sound, identify and detect objects, count, read, write, operate a computer, handle and feel objects, reach with hands/arms and be stationary and/or stand and/or move for long periods of time. Occasionally an employee will lift/pull/push and carry up to 25 to 50 pounds, stoop, kneel, crouch, crawl, climb and be able to maintain balance doing these activities. Position requires sound reasoning, good judgement and ability to apply knowledge toward work activities. The noise level is moderate and typical of a normal office environment. In accordance with the Americans with Disabilities Act, Horizon Credit Union will provide reasonable accommodation/s to qualified individuals with disabilities to perform the essential functions, unless such accommodations would cause the employer an undue hardship. To request an accommodation, please contact Human Resources. About This Job Description The statements in this job description are intended to describe the essential functions and minimum qualifications for this position and are not intended to be an exhaustive list of all responsibilities, duties, and skills required. Job descriptions are not intended, nor do they create an employment contract and are subject to change at any time to accommodate business necessity. The Credit Union maintains its status as an at-will employer where applicable. In support of Horizon CU’s goals employees may perform other duties as assigned and all employees are expected to: Exemplify our CORE Values Promote teamwork and collaboration Provide our members with the highest quality service #J-18808-Ljbffr Hzcu