Compliance Examiner

About the role

The Compliance Examiner role involves conducting consumer compliance reviews, regulatory testing, risk assessments, and issue validation activities. This includes evaluating business processes and controls for compliance with applicable federal and state consumer finance regulations, identifying compliance risks, documenting findings, and supporting remediation efforts.

Responsibilities

• Participate in consumer compliance reviews by executing assigned testing activities in accordance with applicable federal and state consumer finance regulations
• Maintain working knowledge of relevant regulatory requirements, regulatory changes, and business initiatives, and understand their potential compliance impacts
• Prepare clear, accurate, and well-documented workpapers that outline testing procedures performed, results obtained, and supporting analysis
• Apply sound judgment when evaluating business practices and compliance risks within assigned areas; escalate potential issues or concerns to senior team members as appropriate
• Identify compliance risks and control gaps based on testing results and observations, and communicate findings to the review lead
• Provide timely status updates on assigned testing activities to management
• Contribute to the development of comprehensive and defensible testing reports
• Establish and maintain effective working relationships with business partners and internal stakeholders during the course of reviews
• Respond to business partner inquiries regarding compliance requirements and regulatory expectations
• Review and analyze policies, procedures, workflows, and first-line monitoring activities
• Research regulatory and operational questions and summarize findings; provide recommendations or escalate complex issues as appropriate
• Develop corrective action recommendations, review management action plans, and validate remediation efforts through issue closure
• Support special projects and perform other duties as assigned

Requirements

• Bachelor’s degree in Business, Finance, Risk Management, Compliance, Legal Studies, or a related field, or commensurate work experience, required
• 5 years of experience in financial services, consumer lending, compliance, risk management, internal audit, or related regulatory functions, including at least 3 years of experience conducting compliance testing, monitoring, auditing, or examination activities
• Certified Regulatory Compliance Manager (CRCM) certification preferred
• Working knowledge of consumer retail finance regulations, including TILA, ECOA, FCRA, FDCPA, EFTA, ESIGN, GLBA, MLA, SCRA, TCPA, UDAAP, and other applicable federal and state regulations
• Strong analytical skills with the ability to interpret regulations and apply them to business processes
• Independently plan, organize, and execute assigned testing activities while meeting established timelines and quality standards
• Ability to identify trends, emerging risks, and root causes across testing cycles
• Strong written and verbal communication skills, including the ability to clearly document findings and present recommendations to stakeholders
• Experience developing clear, defensible testing documentation and reports
• Ability to influence stakeholders and communicate findings effectively
• Experience partnering with legal, risk, audit, and operational teams to resolve compliance issues
• Demonstrated sound judgment, professional skepticism, and attention to detail
• Advanced proficiency with Microsoft Office applications (Excel, Word, PowerPoint); experience with Jira, Confluence, compliance management systems, or data analytics tools preferred

Qualifications

• Physical Demands: While performing the duties of this job, the employee is frequently required to sit, stand, walk, visualize, talk, hear, and handle or touch objects or controls. The employee may occasionally lift, push, or pull up to 20 pounds. This position is office-based and requires prolonged periods of sitting and extensive computer use throughout the workday.