Sr. Associate, Customer Acceptance & Fraud

Summary of the Job

At FNBO, our employees are the heart of our story—and we're committed to their success! This role is a Senior Associate expected to be a subject matter expert in compliance monitoring and regulatory risk management. The Senior Associate is accountable for a comprehensive range of assignments related to maintaining strong compliance standards across all Banking business lines, monitoring, reporting, investigating, and conducting complex data analysis to identify compliance trends and implement strategic solutions related to Sales Practice, Fair Banking, and UDAAP requirements.

Job responsibilities include monitoring compliance performance across all banking lines, developing comprehensive reporting frameworks, conducting data analysis to identify emerging compliance trends, leading investigations into potential violations, collaborating with Corporate Compliance and second line functions, staying current on regulatory developments, partnering with business units to implement compliance strategies, assessing key compliance risks, conducting independent control testing, communicating with stakeholders, optimizing processes, and supporting special projects and audit work.

Regulatory Compliance Monitoring & Reporting Monitor compliance performance across all Banking business lines for Sales Practice, Fair Banking, and UDAAP requirements. Develop reporting frameworks to track metrics and present findings to management.

Complex Data Analysis & Trend Identification Conduct sophisticated data analysis to identify emerging compliance trends, potential regulatory risks, and areas of concern. Utilize analytical tools to assess compliance performance and recommend strategic adjustments.

Investigation Management Lead investigations into potential compliance violations, coordinate with internal stakeholders, document findings, recommend corrective actions, and monitor implementation.

Second Line of Defense Collaboration Build and maintain strong working relationships with Corporate Compliance and other second line functions; serve as primary liaison for compliance matters.

Regulatory Change Management Stay current on regulatory developments, assess impact on first line operations, and recommend policy or procedural updates.

Strategic Implementation Partner with business units to implement compliance strategies, ensuring new processes are integrated while maintaining operational efficiency.

Risk Assessment & Control Testing Identify, assess, and document key compliance risks. Conduct independent testing of controls and recommend improvements.

Stakeholder Communication Provide clear communication to senior leadership regarding compliance performance, emerging risks, and recommended actions.

Process Optimization Evaluate compliance processes for effectiveness, recommend and implement improvements.

Special Projects & Audit Support Lead and support special compliance and risk projects, provide subject matter expertise during regulatory examinations and internal audits, analyze findings, and develop remediation plans.

Candidate must possess unrestricted work authorization and not require future sponsorship.

• Bachelor's degree or equivalent experience
• 3-5 years of compliance or risk experience within banking or financial services, with demonstrated expertise in compliance and investigations
• Strong analytical skills with proven ability to conduct complex data analysis and translate findings into actionable business insights
• Demonstrated experience in regulatory compliance monitoring, reporting, and investigation processes
• Excellent project management skills with ability to manage multiple priorities and competing deadlines while maintaining detail orientation
• Strong written and verbal communication skills with ability to present complex compliance matters to senior management
• Proven ability to build and maintain collaborative relationships across multiple business lines and risk functions
• Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint) with advanced Excel capabilities for data analysis
• Experience with…