Sr. Compliance Analyst - Mortgage Lending

Key Responsibilities

• Interpret regulations and provide assistance processes and procedures based on the regulations.
• Have extensive knowledge with TRID, HMDA, FCRA, ECOA, RESPA, and various regulations.
• Review and analyze regulatory and legal changes affecting financial institutions to determine applicability and impact to RCU.
• Research regulatory/legal questions for other departments as assigned.
• Present analysis and findings to RCU management.
• Independently work with RCU departments to implement legal requirements and to ensure changes to products, services, and processes comply with applicable legal requirements.
• Create and manage compliance programs and training programs.
• Oversee activities of Compliance Analyst(s) as assigned by Compliance Manager.
• Prepare revisions to Credit Union disclosures.
• Prepare written reports and analysis for Compliance management.
• Assist on projects, exams, audits, and other tasks as assigned.
• Provide excellent service to all Members and internal clients.
• Manage projects required to implement regulatory and legal changes, including setting project goals, coordinating efforts between multiple departments, and monitoring for effectiveness.
• Independently work with RCU departments to identify and mitigate risks to the line of business, including compliance, business continuity, and internal controls.
• Research and advise RCUSG Management on Credit Union Service Organization (CUSO) governance requirements.
• Review and analyze regulatory and legal changes affecting insurance agencies and vehicle broker/dealers to determine applicability and impact to RCU Services Group.
• Independently work with RCU Services Group Management to implement legal requirements and to ensure changes to products, services, and processes comply with applicable legal requirements.
• Create and manage RCU Services Group compliance programs and training programs.
• Prepare revisions to RCU Services Group disclosures.
• Prepare written reports and analysis for RCU Services Group Management.
• Manage projects required to implement regulatory and legal changes, including setting project goals, coordinating efforts between multiple departments, and monitoring for effectiveness.
• Administer RCU Services Group licensing process to ensure all corporate and employee licenses are properly maintained.
• Administer annual RCU Services Group reporting.
• Establish goals and work plans for RCU Services Group compliance.
• Prepare compliance reports as needed for RCU Services Group Board.
• Audit/Admin: Collect and prepare information for both internal and external audits.
• Act as liaison with external compliance auditors.
• Document audit procedures performed or coordinated/supported.
• Maintain audit work papers and documentation.
• Develop and monitor remediation plans resulting from any deficiencies identified in audits.
• Administer compliance testing program and monitors result status.
• Complete status reports and maintain records of time usage.
• Support RCU governance activities.
• Attend training as designated by Compliance Manager.

Qualifications

• Bachelor's degree in Business Administration, Finance, Accounting, or related field.
• 5+ years of experience in compliance, preferably in a financial institution setting.
• Experience with TRID, HMDA, FCRA, ECOA, RESPA, and various regulations.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal skills.
• Ability to work independently and manage multiple projects simultaneously.
• Proficiency in Microsoft Office Suite.