AVP Lending Risk and Governance

Lead the first-line control environment within lending by ensuring lending business lines maintain effective, well-documented, and sustainable controls that support compliance with regulations and lending policy, while enabling loan production, sound operations, consistent member treatment, and readiness for internal audits and regulatory examinations. Collaborate with business leaders, compliance, OGC, ERM, loan servicing, and audit partners to identify control requirements, assess control effectiveness, monitor performance, and drive timely remediation of issues.

This position is expected to be hybrid. NYC Salary Range - $163,010 - $208,950 annually; compensation is commensurate to geographic location Regardless of seniority or role, uphold UNFCU’s mission, core values, and guiding principles by providing an exceptional service experience to colleagues and members alike through consistent demonstration of our service excellence behaviors. Lead the design, implementation, and ongoing enhancement of the lending controls framework across U.S. mortgage lending and international consumer lending.

Ensure key controls are embedded within business processes. Promote a strong first-line risk and control culture across lending operations. Oversee process controls designed to support compliance with applicable federal and state consumer lending laws and regulations, as well as internal policies and procedures. Support implementation of regulatory changes. Review and strengthen controls across the mortgage and consumer lifecycle, from application through final onboarding.

Coordinate with operational and compliance partners to identify and remediate control gaps, errors, and recurring defects. Conduct periodic risk and control assessments across lending processes, products, channels, and jurisdictions, identifying control gaps, process breakdowns, manual workarounds, and opportunities for improvement. Develop and oversee monitoring and control testing routines to validate that key controls are functioning effectively. Oversee remediation of control deficiencies, compliance issues, audit findings, quality control findings, exam observations, and operational breakdowns.

Escalate material issues, delays, and unresolved risks to senior management as appropriate. Prepare management reporting on control effectiveness, compliance risk themes, monitoring results, open issues, and remediation progress. Ensure lending policies, procedures, controls documentation, and process maps remain current and aligned with regulatory requirements and actual business practices. Serve as a key liaison for internal audit, external audit, and regulatory exam activity related to lending compliance and controls.

Evaluate vendor agreements and work with business line management to ensure that vendors are complying with SLAs. Perform additional responsibilities as assigned. Ensure compliance with federal and state laws and regulations and UNFCU’s Code of Ethics & Business Conduct. Uphold UNFCU’s compliance with the Bank Secrecy Act and anti-money laundering policies and procedures, including:
Maintain awareness of and report suspicious activity Complete all relevant BSA reports promptly and accurately (e.g. CTRs, SARs) Complete annual BSA/AML/OFAC training Bachelor’s degree in Business, Finance, Accounting, Risk Management, Law, or a related field required 8–10 years of progressive experience in lending compliance, lending controls, risk management, mortgage operations, consumer lending compliance, audit, or a related function Significant experience with U.S. mortgage lending regulations, processes, and control requirements Experience supporting or overseeing consumer lending programs with operational complexity;

international lending or cross-border program experience strongly preferred Experience working effectively across business lines and influencing leaders without direct ownership of all underlying processes