BSA & REGULATORY OFFICER - WATERFORD

JOB SUMMARY Thisrole supports the implementation and administration of FirstBank’s RegulatoryCompliance Management System under the direction of the Corporate ComplianceDepartment. Provides regulatory compliance guidance to Florida businessunits, ensuring adherence to applicable federal and state consumer protectionlaws, regulations, and internal policies and procedures. Assists withcompliance regulatory examinations, internal audits, complaint management, compliancetraining and regulatory change initiatives. Supervisesthe BSA Compliance Specialists and Analysts assigned to the Florida region,including assigning, reviewing, and monitoring work to ensure the effectiveexecution of compliance activities and achievement of departmentalobjectives. ESSENTIALRESPONSIBILITIES GENERAL FUNCTIONS Supports the administrationof FirstBank’s Regulatory Compliance Management System under the direction ofthe Corporate Compliance Department. Assists the Puerto Rico Regulatory Compliance and BSA/AMLDepartments in providing regulatory compliance and BSA/AML guidance toFlorida business units. Assists with daily consultations and document reviews,regulatory inquiries, implementation of regulatory requirements and internalprocedures requirements to support ongoing compliance objectives. Incoordination with the Corporate Compliance Department, identifies, assesses,and communicates actual or potential compliance risks affecting Floridabusiness units. Provides regulatory guidance and recommends correctiveactions and risk mitigation strategies to ensure compliance with applicablelaws, regulations, and internal policies. Partnerswith the Corporate Compliance Department developing and implementing actionplans that address compliance weaknesses, mitigate regulatory risk, andstrengthen compliance controls and processes. Supportsthe BSA/AML, Regulatory Compliance, Fair Lending, CRA, and Legal Regulatoryfunctions through participation in special projects and regulatoryinitiatives, assisting with the implementation of compliance programs andrisk management objectives as assigned by the Regulatory Manager and/or BSAOfficer. REGULATORYCOMPLIANCE - GENERAL FUNCTIONS %TIME Providestimely regulatory guidance and subject matter expertise to Florida managementand business units regarding regulatory developments, regulatory changes,industry best practices, and emerging compliance risks. Facilitates theimplementation of regulatory requirements and supports the adoption ofconsumer compliance laws and regulations applicable to the Florida market. 10% Develops,reviews, and delivers regulatory compliance training programs, compliancebulletins, and guidance materials to business and support units. Maintainstraining records, databases, attendance reporting, and related compliancedocumentation to ensure accurate tracking and regulatory readiness. 5% Assists theRegulatory Compliance Manager in preparing and maintaining management andcommittee reporting, including compliance metrics, risk assessments,scorecards, action plan tracking, task logs, regulatory updates, and otherreports required to support management oversight and governance functions. 10% Reviews,drafts, and provides regulatory compliance over... ...sight for agreements, consumerdisclosures, customer communications, operational notices, new products andservices, and other documentation that may present regulatory complianceimplications for the Florida region. 15% Performsregulatory compliance reviews and approvals of marketing campaigns,advertising materials, promotional programs, and product developmentinitiatives to ensure compliance with applicable federal and state laws,regulations, and internal policies. 10% Coordinateswith Florida business and operational units in the management, investigation,resolution and timely response of federal agencies consumer complaints,including complaints received through federal and state regulatory agencies.Supports management reporting, complaint trend analysis, and theimplementation of corrective actions when necessary. 10% Providesregulatory compliance support to the Fair Lending and Community ReinvestmentAct (CRA) Programs within the Florida region, collaborating with applicablebusiness units and compliance partners to ensure adherence to regulatoryrequirements and support program objective 5% ReviewsFlorida Region written procedures and operational processes from a regulatorycompliance perspective. Ensures procedures remain current and compliant withapplicable laws, regulations, regulatory guidance, and corporate standards,while recommending modifications necessary to address regulatory changes,mitigate compliance risk, and enhance the effectiveness of internal controls. 10% BSA/AML -GENERALFUNCTIONS %TIME Supervises andevaluates the performance of the BSA Compliance Specialist and TransactionMonitoring Analysts assigned to the Florida Compliance Unit, ensuring thetimely and effective execution of assigned responsibilities and adherence toestablished departmental objectives. 10% Assigns,distributes, and revises the work of the BSA Compliance Specialists andAnalysts. 5% Supports theBSA Officer in establishing procedures and processes BSA/AML related particularlyto the Florida Region. 5% Oversees,prepares and performs the following functions related to BSA/AML; (i)supervise the second level review of Florida suspicious activityinvestigations performed by the Corporate Compliance Unit; and (ii) reviewand approval account opening exceptions requested by the region’s BusinessUnits and the Foreign Individual Accounts (iv) serves as a primary liaisonbetween the BSA FIU Unit and the region obtaining explanations or supportinginformation supplementing the investigations process as well as in followingup on the ARC cases, (v) serve as a liaison between the High Risk CustomersUnit and the region, assuring timely completion of the OPBs among others. 5% ADDITIONALRESPONSIBILITIES ADDITIONALFUNCTIONS Support remediation efforts and monitoring plans foridentified regulatory compliance or BSA/AML gaps or findings. Assists theCompliance Manager and BSA Officer during compliance examinations performedby a federal agency. Assist in CRA & Fair Lending quality assuranceprocesses and related reporting activities. Support corporate compliance projects, ensuringappropriate design, implementation, and tracking of deliverables. Additionally,assist Corporate Compliance Departments during examinations and internalaudits. Identify and implement opportunities to improveprocesses, workflows, and system efficiencies. Prepare committee-level reporting materials andregulatory summaries. Ensure compliance unit operations meet establishedquality, timeliness, and regulatory standards. Foster employee engagement through feedbacksessions, recognition initiatives, and team-building activities. Maintain communication with Management regardingteam performance, risks, and operational challenges REQUIREMENTS To perform this job successfully, an individual mustbe able to perform each essential duty satisfactorily. The requirementslisted below are representative of the knowledge, skill, and/or abilityrequired. Reasonable accommodations may be made to enable individuals withdisabilities to perform the essential functions. EDUCATION EducationLevel EducationDetails Req Pref Bachelor’sdegree and MBA are preferred (orequivalent experience) or Juris Doctor Business,Finance, Accounting, Economics, Juris Doctor, or related field). Togetherwith specialized regulatory compliance expertise. X And WORKEXPERIENCE Experience ExperienceDetails Req Pref 5-8 years Complianceposition in the Banking Industry. X Orthe equivalent combination of Education and Experience needed to be able toperform the functions of this job. FUNCTIONAL COMPETENCIES PROFICIENCY Regulatory issues advising capacity High Ability towork in a fast-paced and stressful environment High Strong analytic skills High Strong interpersonal communication, leadership and teamwork oriented High Strong written, verbal, and presentation communication skills (both preparer andfacilitator) in English and Spanish, including the ability to produce clear,concise, exam-defensible documentation and deliver effective managementreporting and stakeholder presentations High Problem solving, detail oriented High Maintainsand promotes a high standard of confidentiality and strong ethical values High Fluent inEnglish and Spanish High Able towork with a minimum of supervision High Organization and prioritizationskills High Proficientin Excel, Word, Outlook,Power Point High Soundjudgment and proper criteria for establishing priorities correctly High Must beable to work several important projects simultaneously observing excellencequality standards. High Analyze business needs and understand the operational workflow. High LICENSES AND CERTIFICATIONS CAMS Certified Anti-Money Laundering Specialist X

COMPETENCIES GRADEFAMILY: EXECUTIVE / MANAGEMENT

CATEGORY CATEGORY CRITERIA Customer Focus Anticipatesand provides service excellence to both internal and external customers Building Strong relations Establishes,sustains and fosters both internal and professional contacts to build,enhance, and connect to FirstBank services Communication Deliversclear, effective communication and takes responsibility for understandingothers. Business Acumen Understandshow the organization works, including, current and future policies, practicesand trends Problem Analysis &Solution Identifiesproblems and conducts appropriate analyses involving others to searches forbest solutions Ownership Takesinitiative and assumes personal accountability for goals, outcomes anddeadlines Vision & Values Theemployee understands organization’s vision and upholds the organizationsvalues in everyday words and actions. At higherlevels the employee takes a long-term view and share with others the visionand the organization path ahead. Collaboration & Teamwork Providesdirection and leadership to help teams achieve goals and operatecooperatively and cohesively Development(Personal &Others) Demonstratecuriosity for learning and perform activities to make the most of theirskills and boost potential in self and others Change & Innovation Creates aview of change as an opportunity and inspires others. Looks fornew ways to experiment with new ideas and approaches Empowering & MotivatingOthers The abilityto create a positive environment and enable others to have ownership of theirjobs and responsibilities Managing Performance Atleadership levels sets clear goals and expectations for excellenceperformance PHYSICALACTIVITY The physical activities described here arerepresentative of those that must be met by an employee to successfullyperform the essential functions of this job. Reasonable accommodations may be bemade to enable individuals with disabilities to perform the essentialfunctions PHYSICALDEMANDS ACTIVITY FREQUENCY(PERCENT OF TIME) Little orno physical demand Occasional Up to 25% Moving oflight weight material Occasional Up to 25% Movingheavy weight material. Works in difficult work posititions. Occasional Up to 25% Seated Regular 25% to 50% To walk, On foot Regular 25% to 50% Visual, Motor effort Regular 25% to 50% Tu pullahead, to raise, to load Regular 25% to 50% To handle, To operate Regular 25% to 50% TRAVELREQUIREMENTS Frequency(Percent of Time) Travel Area Occasional Up to 25% All Regions WORKENVIRONMENT WORKINGCONDITION WORKENVIRONMENT Office withfreedom of movement Regular 25% to 50% Outside Occasional Up to 25% Noise Not Applicable 0% Vibration Not Applicable 0% Extreme Cold Not Applicable 0% Extreme Heat Not Applicable 0% Little light Not Applicable 0% Dust Not Applicable 0% Mechanical or electric risk Not Applicable 0% Atmospheric Conditions Not Applicable 0% Hazards Not Applicable 0% SUPERVISION SupervisionResponsibility: Yes SuperviseTo: A UnitSupervisor and a total Unit Staff of 3 FTE’s INDEPENDENCEOF JUDGEMENT The degree of judgment required involves complexanalysis, the processing and presentation of potential recommendations, andthe integration and coordination of diverse elements for application tospecific topics. It also encompasses ongoing analysis of specialized andcomplex subject matter. IMPACTOF ERRORS Errors associated with this position substantiallyinfluence activities across other departments, external services, the Bank’sstrategic outcomes, and its federal or local examination ratings amongregulatory agencies and the broader community. COMPENSATION Incentive Plan:X No PAY GRADE: The above statements areintended to describe the general nature and level of work being performed bypeople assigned to this job. They arenot indented to be an exhaustive list of all responsibilities, duties, skillsrequired of personnel so classified.The reporting relationship may not reflect the most recent changes tothe corporate reporting structure.

EQUALEMPLOYMENT OPPORTUNITYY EMPLOYER

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