Enterprise Compliance Program Manager

About the role

Compliance is more than making sure requirements are followed. It’s about understanding where risk exists, asking the right questions, and helping the organization address issues before they become larger problems. As the Enterprise Compliance Program Manager, you’ll play a key second-line role in strengthening Southland Credit Union’s Compliance Management System and providing independent oversight across the organization. Reporting to the VP, Enterprise Risk Management, you’ll evaluate compliance risks, challenge business practices, monitor controls, oversee regulatory change, and help leadership understand where attention is needed. This is an individual-contributor role with no direct reports. Your influence will come through sound judgment, thoughtful challenge, strong cross-functional relationships, and the ability to turn complex regulatory requirements into clear, actionable risk guidance.

Responsibilities

• Design, maintain, and assess the enterprise Compliance Management System as part of an independent second-line governance function, including maintaining the compliance risk inventory, governance calendar, monitoring and testing plan, issue-escalation protocols, training oversight, management information, and program documentation.
• Develop and execute risk-based compliance reviews independent of first-line quality-control activities, evaluating control design and operating effectiveness; document evidence and conclusions, identify systemic issues, and validate sustainable remediation.
• Monitor regulatory change: identify applicable developments, document interpretations and impact assessments, identify accountable business owners, challenge implementation plans, track milestones, and independently assess readiness.
• Analyze complaint information across channels to identify trends and root causes, challenge corrective-action plans, and escalate potential compliance, Fair Lending, UDAAP, operational, reputational, and regulatory risks; provide second-line oversight of complaint processes without owning routine complaint handling.
• Maintain the enterprise Fair Lending and UDAAP risk-assessment and monitoring framework, analyze outcomes and exceptions, document issues, and provide objective challenge where potential discrimination or consumer harm may exist.
• Provide second-line review and escalation for marketing, advertising, disclosures, campaigns, and Member communications, ensuring content owners retain responsibility for accuracy, approvals, and implementation.
• Perform second-line compliance risk assessments before new or modified products, services, systems, channels, vendors, disclosures, or Member journeys are implemented; document conditions, challenge unresolved risks, and escalate material concerns through established governance.
• Maintain the enterprise compliance issue inventory, assign risk ratings and escalation thresholds, monitor corrective-action commitments, and prepare concise reporting for management committees, Senior Leadership, and the Board or appropriate Board committee.
• Facilitate collection of compliance materials for regulatory examinations and compliance audits, coordinating request logistics, evidence control, and finding tracking with Audit and Controls or other designated partners.
• Collaborate with BSA/AML/OFAC, Fraud Risk, Operational Risk, Legal, Information Security, and Internal Audit while maintaining second-line independence; use independent judgment, provide documented challenge, and escalate significant or unresolved compliance exposure to the VP, Enterprise Risk Management and governance committees.

Qualifications

• Demonstrated experience leading or materially supporting an enterprise-wide Compliance Management System or second-line compliance program within a regulated financial institution.
• Experience challenging and advising senior business owners across lending, deposits, payments, marketing, digital, operations, and Member-facing channels while maintaining constructive relationships with Legal, other risk functions, and Internal Audit.
• Bachelor's degree in Business, Finance, Risk Management, Law, or a related field preferred; an equivalent combination of relevant education and progressively responsible experience may be considered.
• Recognized consumer-compliance certification such as CR