Junior Consultant supporting clients in implementing security and compliance requirements through structured methods. Collaborating closely with experienced consultants in client projects.
About the role
- Compliance Officer overseeing Patriot Bank’s Compliance Management System and administering the CRA Program. Collaborating with various departments to ensure compliance with regulations and enhance risk management.
Responsibilities
- The Compliance Officer supports Patriot Bank’s enterprise Compliance Management System (CMS) through oversight, testing, and advisory activities across all business lines.
- This position plays a key role in administering the Community Reinvestment Act (CRA) Program, supporting the Bank’s Fair Lending and Consumer Compliance initiatives, and ensuring compliance with applicable laws, regulations, and Office of the Comptroller of the Currency expectations.
- The Compliance Officer will work collaboratively with Retail Banking, Lending, Operations, and Digital Payments teams to identify compliance risks, implement controls, and maintain an effective CMS that aligns with the Bank’s strategic objectives and applicable regulations.
- Support the implementation and ongoing enhancement of the Bank’s Compliance Management System including risk assessments, monitoring, issue management, and reporting.
- Monitor compliance with federal and state regulations including CRA, ECOA/Reg B, HMDA/Reg C, FCRA, Privacy/GLBA, Reg E, Reg Z, and UDAAP.
- Participate in the review of new and modified products and services, including digital payments, to ensure compliance with applicable laws and regulatory expectations.
- Conduct compliance testing and reviews in coordination with the Compliance Testing Plan to evaluate the effectiveness of internal controls.
- Support the development and maintenance of compliance policies, procedures, and training programs.
- Provide oversight of compliance vendors, third parties, and support compliance related audit activities.
- Administer the Bank’s CRA Program, including assessment area delineation, performance context, and data management.
- Maintain the CRA Public File and ensure accuracy and timeliness of CRA and HMDA data submissions.
- Monitor and report on CRA-qualified loans, investments, and community development services, including coordination with the CRA and Board of Directors Committee.
- Prepare quarterly CRA performance dashboards and annual summaries for the Compliance Committee, CRA Committee, and Board of Directors.
- Partner with business lines to identify CRA-qualified activities and ensure proper documentation and reporting.
- Coordinate CRA training and awareness programs for Retail, Lending, and Marketing staff.
- Support fair lending monitoring, including analysis of loan data, pricing exceptions, and marketing practices.
- Collaborate with Retail Lending and Credit to ensure compliance with ECOA, HMDA, and Fair Housing Act requirements.
- Assist in complaint management review and UDAAP risk monitoring.
- Participate in the Bank’s product review and marketing approval process to ensure adherence to regulatory requirements.
- Support the Chief Compliance Officer and Chief Risk Officer in preparing materials for the CRA Committee and Enterprise Risk Management Committee (ERMC).
- Track and report status of compliance issues, findings, and remediation to management and Board Committees.
- Assist in coordinating responses to regulatory examinations, audits, and OCC information requests.
Requirements
- Bachelor’s degree in Business, Finance, Accounting, or related field required; CRCM or CRA certification preferred.
- Minimum 5–7 years of experience in banking compliance, with at least 3 years focused on CRA and consumer compliance.
- Strong working knowledge of OCC regulatory requirements and guidance.
- Experience preparing for and supporting CRA and Compliance examinations.
- Excellent written and verbal communication skills; ability to clearly convey complex regulatory concepts.
- Proficiency with CRA/HMDA data systems (e.g., CRA Wiz, HMDA Wiz, or equivalent) and Microsoft Office applications.
Benefits
- 401K
- Health Insurance
- Dental Insurance
- Vision Insurance
- Health Savings Account
- Flexible Spending Account
- Employee Assistance Program
- Paid Time Off
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
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