Senior Consultant, Consumer Regulatory Compliance

• Work closely with client executives and management teams to understand their businesses and identify and manage consumer regulatory compliance risks within business processes and systems
• Assist clients with understanding and complying with new or updated financial institution consumer regulations
• Research and interpret regulatory requirements and assess impacts on products, services, operations, policies, procedures, and controls
• Stay current on financial institution consumer regulations, regulatory guidance, enforcement actions, and industry developments
• Identify impacts to compliance programs, testing plans, and internal audit activities
• Support the internal audit practice as a regulatory compliance resource
• Assist clients with implementing or enhancing consumer compliance programs, policies, procedures, and controls
• Collaborate with engagement leaders and team members to complete projects accurately, efficiently, and on schedule
• Build internal and external client relationships and contribute to practice development
• Participate in firmwide learning and development programs
• Support the growth and development of less-experienced team members
• Perform consumer regulatory compliance reviews, compliance testing, monitoring, internal audits, and gap assessments
• Evaluate compliance risks involving deposits, consumer and commercial lending, mortgage lending, fair lending, marketing and advertising, complaints, privacy, and third-party relationships
• Document testing procedures, observations, and recommendations in work papers and client-ready reports

• 4 year degree
• Three (3) years of experience
• Bachelor's degree in accounting, finance, business, economics, risk management, or a related field preferred
• Three or more years of direct experience in financial institution consumer regulatory compliance, including compliance testing, monitoring, internal audit, regulatory examination support, or advisory services
• CRCM certification preferred but not required
• Familiarity with federal or state banking and consumer compliance requirements and regulators such as CFPB, FDIC, Federal Reserve, OCC, NCUA, or state banking agencies
• Experience working within or serving a bank, credit union, fintech company, financial services organization, consulting or public accounting firm, internal audit department, or banking regulatory agency
• Demonstrated success in a comparable fast-paced, client-service environment
• Experience in one or more consumer regulatory compliance areas, such as deposit compliance, lending compliance, mortgage compliance, fair lending, UDAAP, complaints, marketing and advertising compliance, privacy, or CRA
• Excellent analytical, technical, and problem-solving skills with strong attention to detail
• Exceptional verbal and written communication, collaboration, and time management skills
• Strong sense of urgency and client responsiveness
• Ability to manage multiple concurrent assignments, adapt to changing priorities, meet demanding deadlines, and produce accurate, client-ready work
• Ability to travel up to 10% based on client and engagement needs

Demonstrates expertise in financial institution consumer regulatory compliance, including compliance testing, monitoring, and internal audits. Proficient in interpreting regulatory requirements and implementing compliance programs while maintaining strong client relationships and delivering accurate, timely results.

• Financial Institution Consumer Regulatory Compliance
• Compliance Testing
• Internal Audit
• Regulatory Examination Support
• CRCM Certification

• Regulatory Compliance
• Risk Management
• Consumer Compliance Reviews
• Gap Assessments
• Policy Development
• Regulatory Guidance Interpretation
• Compliance Monitoring
• Analytical Skills
• Technical Problem-Solving
• Attention to Detail

• Verbal Communication
• Written Communication
• Collaboration
• Time Management
• Client Responsiveness

• CRCM Certification

• CFPB
• FDIC
• Federal Reserve
• OCC
• NCUA
• Consumer Lending
• Mortgage Lending
• Fair Lending
• UDAAP
• CRA