Lead Fair and Responsible Banking Risk Consultant

• Support the Fair and Responsible Banking (FaRB) Program within Corporate Compliance in the second line of defense
• Provide independent oversight, credible challenge, and advisory support across fair lending and UDAP/UDAAP risk
• Partner with Compliance Risk Managers, business partners, CRO teams, and other stakeholders
• Translate regulatory expectations into practical, risk-based guidance supporting sound decision-making and risk mitigation
• Contribute to FaRB Program development and enhancement through risk assessments, monitoring, issue management, governance activities, and advisory support
• Support special initiatives and horizontal reviews across multiple products, channels, and functions
• Drive consistency, identify emerging risks, and strengthen program effectiveness and maturity
• Evaluate analytical and data-driven results, identify risk themes, and communicate conclusions and recommendations
• Support regulatory engagement, audit and examination requests, issue remediation, and management and executive-level reporting

• Bachelor's degree, or equivalent work experience
• Typically more than eight years of applicable experience
• Demonstrated experience in fair lending and UDAP/UDAAP compliance risk oversight
• Experience with advisory, risk assessment, monitoring, issue management, corrective action, and governance activities within a second line of defense framework
• Strong understanding of fair lending and UDAP/UDAAP risks across financial products and the consumer product lifecycle
• Ability to provide credible, independent challenge and translate regulatory expectations into actionable guidance, control expectations, and business decisions
• Experience partnering with and influencing stakeholders across business, legal, risk, compliance, and analytics functions
• Ability to evaluate analytical and data-driven results and identify risk themes
• Experience reviewing and interpreting testing, monitoring, or risk assessment results
• Experience supporting regulatory engagement, audit and examination requests, issue remediation, and executive-level reporting
• Strong knowledge of applicable laws, regulations, financial services practices, and regulatory trends
• Strong understanding of business operations, products, services, systems, risks, and controls
• Strong knowledge of risk management, compliance, and audit principles and practices
• Strong project leadership, collaboration, and stakeholder management skills
• Effective written and verbal communication skills
• Strong analytical, problem-solving, and critical thinking skills
• Proficient computer skills, including Microsoft Office applications
• Applicable professional certifications such as CRCM, CAMS, or CAFP preferred
• Must work from a U.S. Bank location three (3) or more days per week
• Applicants must be able to comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct
• Certain positions may be subject to requirements including FINRA, NMLS registration, Reg Z, Reg G, OFAC, NFA, FCPA, Bank Secrecy Act, SAFE Act, and applicable federal guidelines

Demonstrates extensive experience in Fair Lending and UDAP/UDAAP compliance risk oversight, with a strong ability to translate regulatory expectations into actionable guidance. Proficient in risk assessment, monitoring, issue management, and stakeholder engagement within a second line of defense framework.

• Fair Lending Compliance
• UDAP/UDAAP Risk Oversight
• Risk Assessment and Monitoring
• Stakeholder Engagement
• Regulatory Compliance Knowledge

• Risk Assessment
• Issue Management
• Governance Activities
• Analytical Evaluation
• Data-Driven Analysis
• Regulatory Engagement
• Audit and Examination Support
• Financial Services Practices
• Risk Management Principles
• Compliance Principles

• Project Leadership
• Collaboration
• Stakeholder Management
• Effective Communication
• Problem-Solving

• CRCM
• CAMS
• CAFP

• Fair and Responsible Banking Program
• Consumer Product Lifecycle
• Regulatory Trends
• Financial Products
• U.S. Bank Policies
• FINRA
• NMLS Registration
• Bank Secrecy Act
• SAFE Act
• Code of Ethics

• Microsoft Office Applications