Consumer Compliance Analyst III (Hybrid)
About the position The Compliance Analyst will assist the Compliance Department in ensuring the bank's compliance with fair lending laws, Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) regulations, and other consumer protection laws (e.g. Regs B, C, D, Z). This role will support monitoring, analysis, reporting, and training efforts to help the bank maintain a strong culture of compliance and fair treatment of all customers. This position is an integral component of the bank's Compliance Management System which is designed to ensure overall compliance with regulation, minimize the potential of regulatory penalties and fines and minimize any negative impact to the bank's reputation resulting from non-compliance with regulatory requirements. This individual works closely with the Compliance Administrators throughout the organization and internal General Counsel to provide direction regarding compliance. The ideal candidate should be comfortable working in a strong team dynamic, communicating with various departments across the institution, learning and using new software tools, analyzing data, and interpreting trends to support compliance initiatives. This position will report to the Fair and Responsible Banking Officer on the Bank's second line of defense. Responsibilities • Assist in the review and monitoring of residential mortgage lending activities to ensure compliance with regulations such as TILA, RESPA, HMDA, ECOA, Fair Housing Act, and applicable state mortgage laws. • Support the Compliance Department's continuous improvement initiatives by enhancing residential compliance monitoring tools, processes, third party oversight and reporting. • Review and advise on loan and deposit products, disclosures, advertisements, and servicing practices to ensure compliance with consumer protection regulations. • Conduct risk assessments related to residential lending compliance, including fair lending and redlining analysis. • Partner with business units to advise on regulatory requirements for new products, initiatives, and process changes. • Support preparation for internal audits and regulatory examinations. • Track and interpret regulatory developments including those affecting home mortgage origination, underwriting, servicing, and loss mitigation. • Assist with broader Fair Banking Program initiatives, including monitoring for potential discrimination or disparate impact risks across all bank products. • Review marketing materials, loan applications, and other customer interactions for compliance with fair lending, UDAAP, and broader regulatory compliance standards. Requirements • Bachelor's degree in Business, Finance, Legal Studies, or related field; equivalent work experience may be considered. • 3-7 years of direct experience in banking compliance, with a strong concentration in residential mortgage compliance. • In-depth understanding of residential lending regulations, including TILA, RESPA, HMDA, ECOA, Fair Housing Act, and CRA. • Working knowledge of mortgage origination, underwriting, servicing, and secondary market practices. • Strong analytical skills, especially relating to compliance monitoring and data analysis for mortgage activities. • Excellent communication and interpersonal skills with the ability to collaborate effectively across departments. • Ability to be effective in a team environment and maintain strong interpersonal skills. • Highly organized with the ability to prioritize tasks in a fast-paced environment. • Proficiency in Microsoft Excel, Word, Powerpoint, and other data analysis tools. Nice-to-haves • Prior experience assisting with or leading preparation for regulatory examinations (FDIC, OCC, FRB, or CFPB) focused on mortgage compliance or fair lending. • Working knowledge of automated HMDA/CRA reporting software and fair lending analytics tools (e.g., RATA Comply, Risk Exec, CRA Wiz, or equivalent platforms). • Certified Regulatory Compliance Manager (CRCM), Certified Fair Lending Expert (FLE), or similar professional certification. • Experience with change management related to mortgage regulatory updates (e.g., TILA-RESPA Integrated Disclosure (TRID) rule changes, HMDA amendments). Benefits • Comprehensive compensation plans • Medical, dental, vision, life and disability insurance • Retirement plans • Vacation • Tuition reimbursement Apply tot his job