Retail Compliance and QC Analyst

• Establish and monitor deposit compliance and quality control processes
• Manage first line of defense monitoring to ensure regulatory compliance and effective risk management
• Track federal, state, and local laws and regulations affecting Retail business policies
• Monitor regulatory changes, compliance issues, and information technology advancements
• Oversee compliance with federal and state regulations
• Establish and maintain RCSA, KRI, and KPI processes to assess performance and identify risks
• Establish and maintain operating procedures and compliance monitoring processes
• Collaborate with Regional Operations Managers to identify existing and emerging risks and implement mitigating controls
• Collaborate with Compliance, Internal Audit, and Operational Risk teams
• Provide regulatory guidance to retail staff on FinCEN, BSA, FCRA, FDIC, OFAC, Reg CC, Reg DD, Reg E, Reg V, UDAP, privacy laws, Dodd-Frank, and other consumer regulations
• Collect and disseminate compliance information
• Re-test findings from internal or external retail audits
• Support operational projects and ensure timely completion and compliance with bank policies
• Test and document policy and procedure releases on the Deposit Origination platform
• Coordinate with vendors and partners on reports and findings
• Ensure deficiencies are addressed and corrected
• Test RCSAs, KRIs, and KPIs
• Maintain knowledge of deposit account requirements and bank policies
• Compile, distribute, and present monthly management reports
• Escalate unresolved critical deficiencies
• Recommend operational improvements based on findings
• Review deposit account and compliance exceptions to determine QC selections
• Identify QC trends and challenges and implement resolutions
• Coach bankers on QC trends and challenges
• Collaborate with Learning and Development on training materials
• Maintain training materials and assist with or conduct training sessions

• Expert-level knowledge of federal and state regulatory compliance and related laws
• Bachelor's degree from a four-year college or university, or alternatively, five to seven years of senior-level compliance and quality control experience
• Prior compliance experience at a large/regional bank subject to direct CFPB oversight and supervision preferred
• Knowledge of deposit account requirements and bank policies and procedures
• Knowledge of FinCEN, BSA, FCRA, FDIC, OFAC, Reg CC, Reg DD, Reg E, Reg V, UDAP, privacy laws, Dodd-Frank, and other consumer-related laws and regulations
• Ability to establish and maintain RCSA, KRI, and KPI processes
• Ability to test and document policy and procedure releases on a Deposit Origination platform
• Ability to compile, distribute, and present management reports
• Ability to maintain confidentiality and attention to detail
• Ability to use standard office equipment and digital tools
• Ability to occasionally travel
• Ability to perform the stated physical demands, including frequent lifting/moving up to 10 pounds and occasional lifting/moving up to 25 pounds

Demonstrates expert-level knowledge of federal and state regulatory compliance, including FinCEN, BSA, and Dodd-Frank, while effectively managing compliance monitoring processes and risk assessments. Proficient in establishing RCSA, KRI, and KPI processes, and skilled in compiling and presenting management reports.

• Expert-Level Regulatory Compliance Knowledge
• RCSA, KRI, KPI Process Management
• Deposit Origination Platform Testing
• Compliance Monitoring and Quality Control
• Federal and State Law Knowledge

• Regulatory Compliance
• Quality Control
• Risk Management
• Policy Documentation
• Management Reporting
• Compliance Monitoring Processes
• Deposit Account Requirements
• Operational Improvements
• Audit Testing
• Training Development

• Attention to Detail
• Confidentiality
• Collaboration
• Coaching
• Communication

• FinCEN
• BSA
• FCRA
• FDIC
• OFAC
• Reg CC
• Reg DD
• Reg E
• Reg V
• Dodd-Frank

• Digital Tools
• Standard Office Equipment