Director, Fair & Banking

OnPoint Community Credit Union, Portland, Oregon, United States of America

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Job Description Posted Thursday, May 29, 2025 at 7:00 AM

Overview

Fair and Responsible Banking practices encompass all aspects of OnPoint Community Credit Union (“OnPoint”) operations, including establishing memberships, offering and extending deposit and loan products and services, marketing and communication, and account servicing and collection practices.

This position will assist the VP/Chief Compliance Officer by leading the OnPoint’s efforts as they relate to Fair and Responsible Banking, encompassing fair lending, equal access to financial services and avoiding discriminatory practices. This individual will serve as a leader in the continuous development of comprehensive fair lending data analysis, which may also include deposit and lending-related compliance, research fair and responsible banking issues, and possesses an expert understanding of the Fair Housing Act (FHA), Equal Credit Opportunity Act (ECOA) and Unfair, Home Mortgage Disclosure Act (HMDA), and Unfair, Deceptive or Abusive Acts and Practices (UDAAP).

Essential functions

• Supports the VP/Chief Compliance Officer in the continued development of compliance policies and programs, ensuring adherence to regulatory agency directives, memoranda, interpretive rulings, laws, and regulations affecting the OnPoint. Maintains current knowledge of all federal and applicable state laws and regulations, along with Credit Union policies and procedures.
• Leads, supports, motivates, and provides coaching and development opportunities appropriate to the Compliance team needs, as applicable related to Fair & Responsible Banking.
• Supports individual and team growth through focused and consistent coaching to further develop regulatory acumen, technical expertise, and internal customer service.
• Creates fair lending reports, including critical analysis and actionable tasks, to be provided to management and the Board of Directors.
• Supervises the complaints team and the complaints process to identify root causes for potential regulatory compliance risks and weaknesses in policies and procedures.
• Stays current on industry standards, trends, and proposed and actual changes relating to relevant compliance topics.
• Drafts and updates Fair and Responsible Banking risk assessments, including Fair Lending and UDAAP.
• Oversees monitoring and testing related to Fair and Responsible Banking.
• Responsible for managing HMDA data collection and regulatory filings, ensuring accurate and timely reporting.
• Analyzes new products, services, and third-party partnerships for Fair and Responsible Banking practices.
• Supports Credit Union audit and examination processes.
• Partners to review marketing messages and materials for compliance, including Fair Lending and UDAAP, and suggests edits as needed.
• Performs other tasks as the VP/Chief Compliance Officer assigns.

Knowledge, Skills & Competencies

• Thorough knowledge of Fair Lending and UDAAP laws and regulations impacting the OnPoint.
• Excellent verbal and written skills to effectively communicate complex legal and regulatory issues clearly to all levels of the organization. Ability to provide concise, professional written documentation and recommendations in response to compliance research requests.
• Must possess proven leadership skills with the ability to influence key decision-makers, collaborate across business lines, and lead other compliance department professionals.
• Strong analytical and problem-solving skills.
• Demonstrated knowledge and experience with mining and using data from automated lending platforms. Experience with Loans PQ loan origination system, Meridian, DNA or similar core operating system(s), Encompass, MSP or similar mortgage lending origination and servicing systems a plus.
• Demonstrated strong organizational skills, with the ability to prioritize and coordinate various assignments simultaneously.
• Ability to work effectively with various teams, exhibiting strong interpersonal skills.
• Identify tasks and create and manage a project plan in coordination with other departments.
• Ability to identify potential compliance…