Senior Compliance Officer

Consumer Compliance Program Oversight

Under the direction of the Chief Compliance Officer, this position is responsible for overseeing the Bank's Consumer Compliance Program. This role ensures the Bank's compliance with consumer protection laws and regulations while aligning compliance initiatives with broader business objectives. This position drives a proactive, risk-based approach to compliance, enabling innovation and operational excellence across the enterprise. Ensures the business units' compliance with applicable laws, regulations, regulatory requirements and Bank policies and procedures including but not limited to Fair Banking, Anti-Money Laundering laws and regulations, Bank Secrecy Act and USA PATRIOT Act.

Strategic Compliance Leadership:

• Leads the design, implementation, and continuous enhancement of the Bank's Consumer Compliance Program to ensure alignment with regulatory expectations and business strategy.
• Monitors and interprets changes in consumer protection laws, regulatory guidance, and industry trends; leads the bank-wide response to regulatory developments.
• Serves as a trusted advisor to executive leadership, providing strategic insights on compliance risks and opportunities.
• Enterprise Collaboration & Advisory:
• Partners with business units to integrate compliance into product development, marketing, customer communications, and operational processes.
• Provides guidance on compliance risk assessments, control frameworks, and new or modified business initiatives.
• Represents the compliance function in cross-functional working groups, steering committees, and governance forums.

Training & Culture Development:

• Develops and delivers targeted compliance training for the Board of Directors, management, and employees to build organizational compliance capability.
• Promotes a culture of compliance through effective communication, leadership engagement, and continuous reinforcement of ethical standards.
• Governance, Reporting & Regulatory Engagement:
• Oversee the preparation and delivery of monthly and quarterly compliance reports to management and the Board.
• Leads the Bank's preparation for and response to regulatory examinations and internal audits, ensuring transparency and readiness.
• Maintains strong relationships with regulators, legal counsel, and industry peers to support effective compliance governance.

Leadership & Operational Excellence:

• Provides leadership and direction to a team of compliance professionals, fostering a high-performance culture focused on accountability, collaboration, and continuous development.
• Responsible for hiring, coaching, performance management, and succession planning to ensure team effectiveness and alignment with organizational goals.
• Identifies and implements process improvements to enhance the efficiency and effectiveness of the compliance function.
• Ensure compliance initiatives support the Bank's strategic goals and customer-centric mission.
• Performs other miscellaneous responsibilities and duties as assigned.

Qualifications:

• Minimum 12 to 15 years of extensive work experience in banking, audit, and/or regulatory compliance with 5 years of management experience.
• Process improvement and/or project management experience with lead roles required.
• Demonstrated proficiency and expertise with personal computers in a networked environment and Microsoft Office applications (Outlook, Word, Excel, Access and Power Point) or similar software.
• Knowledge of or ability to use Bank software and systems.
• Working knowledge of banking laws and regulations and complex database systems.
• Bachelor's degree from an accredited educational institution or equivalent work experience.
• This position requires use of a personal computer and other standard office equipment.
• Excellent verbal and written communication skills, as well as training and presentation skills.
• Self-starter, able to prioritize work to achieve the required objective in a timely manner.
• Must be flexible, able to work on multiple projects that may require restructuring due to shifting demands, unforeseen events and changing priorities.
• Able to identify and define problems, conduct research and analyze information and various situations relating to data management issues.
• Able to recommend and discuss solutions / alternatives to complex compliance issues clearly and concisely with any level of staff. General knowledge of accounting principles required.
• Able to work evenings, weekends, and holidays, as necessary.
• Lifts, moves, carries, and transports files up to 10 lbs.
• Must be able to commute as required.
• Must be able to travel by air.