Grand Bank - Enterprise Compliance Analyst

Enterprise Compliance Analyst

The Compliance Analyst supports the design, implementation, maintenance, and ongoing effectiveness of Grand Bank for Savings, FSB’s (the “Bank”) Compliance Management System (“CMS”). The position provides analytical, monitoring, testing, documentation, and reporting support across the Bank’s consumer compliance, fair lending, BSA/AML, OFAC, credit card, digital banking, deposit, lending, and payment activities.

The Compliance Analyst assists the Chief Compliance Officer and other compliance officers in identifying, evaluating, monitoring, and escalating compliance risk; maintaining policies and procedures; supporting regulatory change management; reviewing products, disclosures, marketing, and customer communications; tracking corrective actions; and preparing for audits and regulatory examinations. The position will have particular responsibilities relating to BSA/AML and OFAC, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (“CARD Act”), Regulation Z, Regulation E, Fair Lending laws and regulations, UDAAP, ACH/NACHA requirements, and the Bank’s national credit card program.

The successful candidate must be detail-oriented, analytical, comfortable working across multiple compliance disciplines, and able to balance regulatory requirements with practical business operations and thoughtful customer service. The Compliance Analyst reports to the Bank’s Chief Compliance Officer.

• Assist with the administration and continuous improvement of the Bank’s CMS, including risk assessments, policies and procedures, training, monitoring, testing, complaint management, issue tracking, corrective actions, and reporting.
• Perform or assist with risk-based compliance monitoring and testing across deposits, lending, digital banking, ACH and payment services, marketing, servicing, and credit card activities; document scope, methodology, findings, and conclusions.
• Assist with fair lending monitoring, comparative analyses, data validation, and periodic reviews to support the Bank's Fair and Responsible Banking Program.
• Track identified compliance issues, management commitments, and corrective action plans; follow up with responsible business units and elevate overdue or insufficient remediation to the Chief Compliance Officer.
• Support regulatory change management by monitoring new and amended laws, regulations, guidance, and enforcement activity; assist with impact assessments, implementation plans, policy updates, and communication to affected business units.
• Assist with the review and maintenance of compliance policies, procedures, forms, disclosures, scripts, notices, and customer communications to promote consistency with applicable legal and regulatory requirements.
• Review advertising and marketing materials for compliance with applicable consumer protection requirements, Bank policy, and approval procedures; maintain appropriate review documentation.
• Monitor complaint management and perform root cause analysis, including review of customer complaints received directly, through regulators, or through third-party service providers; identify trends, elevate potential systemic issues, and verify implementation of corrective actions.
• Assist with consumer compliance risk assessments and periodic reporting to management committees, Board committees, and the Board of Directors.

• Coordinate compliance documentation and responses for internal audits, independent reviews, regulatory examinations, and other assurance activities; assist with tracking and validating remediation.
• Support compliance due diligence and ongoing oversight of third-party service providers, affiliates, fintech partners, processors, and other vendors whose activities create consumer compliance or financial crime risk.

• Assist with compliance oversight of the Bank's national credit card program throughout the product lifecycle, including application and solicitation, underwriting support, account opening, activation, pricing, fees, servicing, payments, disputes, credit…