Vice President, Banking Compliance (HMDA Officer, CRA Officer)

Duties And Responsibilities

• Lead second-line oversight of compliance across deposit operations, consumer and commercial banking, and lending activities.
• Ensure adherence to key regulations including HMDA, CRA, ECOA/Reg B (Fair Lending), TILA, RESPA, UDAAP, TISA, EFTA, and applicable OCC guidance.
• Review and approve customer disclosures and notices, including account opening, maintenance, product changes, and fee schedules.
• Oversee development, implementation, and maintenance of compliance policies, procedures, and controls across business lines.
• Provide expert guidance on regulatory interpretation, applicability, and implementation.
• Prepare executive-level reporting for senior management, Risk Committee, and the Board on compliance trends and risks.
• Maintain strong relationships with internal audit, legal, and business partners.

HMDA, CRA, and Fair Lending Leadership

• Serve as the Bank’s HMDA and CRA Officer and lead the Bank’s HMDA and CRA Task Forces.
• Oversee HMDA data integrity, reporting, and governance, including data validation, scrubbing, and annual LAR submissions.
• Lead CRA program oversight, including performance monitoring, assessment area analysis, and regulatory exam readiness.
• Direct Fair Lending program activities, including risk assessments, statistical analysis, and monitoring for disparate treatment or impact.
• Review findings, root cause analysis, and corrective action plans; ensure timely escalation of material issues.
• Partner with internal stakeholders to identify and remediate potential compliance risks.

Deposit Operations and Disclosures Expertise

• Provide oversight of compliance risks related to deposit products, account servicing, and customer disclosures.
• Ensure compliance with regulatory disclosure requirements and customer communications (e.g., Reg DD, Reg E).
• Collaborate with operations and product teams to ensure compliant product design and lifecycle management.
• Provide advisory support on new product development, system implementations, and strategic initiatives.
• Ensure timely incorporation of regulatory changes into policies, procedures, and controls.
• Promote a proactive, risk-aware culture aligned with the Bank’s compliance and risk appetite.

Requirements

• 5+ years of progressive experience in banking compliance, risk management, or audit.
• Demonstrated expertise in HMDA, CRA, and Fair Lending, including program management and reporting.
• Strong experience supporting deposit operations, disclosures, commercial and consumer lending compliance.
• Experience interacting with regulators (OCC, FDIC, CFPB or Federal Reserve).
• Professional certification such as CRCM (Certified Regulatory Compliance Manager) preferred, but not required.

Technical Knowledge

• Deep Understanding Of Consumer protection regulations (ECOA, TILA, RESPA, UDAAP, Reg DD, Reg E, etc.).
• HMDA data collection, validation, and reporting requirements.
• CRA performance standards and evaluation criteria.
• Fair Lending analytics and risk assessment methodologies.
• Familiarity with compliance systems, data analytics tools, and reporting platforms.

Leadership Skills

• Proven ability to lead cross-functional initiatives and influence senior stakeholders.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent written and verbal communication skills, including executive-level reporting.

Preferred Attributes

• Experience in a growth-oriented bank ($1B–$10B range) with evolving regulatory expectations.
• Ability to build and enhance compliance programs in a dynamic environment.
• Strong balance of strategic oversight and hands-on execution.