Compliance Advisor - Lending

Job Description

It’s about giving people a sense of security.

Are you described as someone with an inquisitive mind and a thirst for knowledge? Do you enjoy identifying potential risk and finding a solution? If so, being a Compliance Advisor with Frost could be for you.

At Frost, it’s about more than a job. It’s about having a flourishing career where you can thrive, both in and out of work. At Frost, we’re committed to fostering an environment that reflects our values and encourages team members to be the best they can be. In joining our adaptable, integrity‑driven team, you’ll become part of Frost’s over 150‑year legacy of providing unparalleled financial services.

As a Compliance Advisor – Lending, you are a key collaborator. You’ll partner with our lending‑focused lines of business, providing advice and strategic compliance guidance on regulatory requirements, including those related to consumer protection and fair lending, such as Reg. Z, Reg. B, UDAAP, HMDA, and other applicable laws and regulations. This role provides proactive compliance guidance to help business partners mitigate regulatory risks while supporting Frost’s business objectives.

Working closely with Frost’s legal and lending teams, the Compliance Advisor helps ensure that lending products and services comply with applicable laws and regulations, creating a safe and secure experience for our customers. You welcome a challenge and strive to continuously improve processes with integrity, caring, and excellence in mind.

• Provide guidance on applicable laws, regulations, and internal policies to identify and assess existing and emerging compliance risks, including regulatory change implementations, to evaluate mitigating controls, and to facilitate effective and timely risk remediation through action plan oversight.
• Conduct ongoing reviews of regulatory developments to identify and assess their impact on business operations, and support implementation of necessary changes to ensure compliance with applicable laws and regulations, and work with business units to ensure that controls effectively mitigate risks.
• Provide accurate records of compliance activities and assist in the development, review, and enhancement of compliance policies, procedures, and governance frameworks.
• Continuously assess the impact of control deficiencies for assigned business units to identify compliance issues, assess root causes, elevate concerns as necessary, and establish appropriate action plans to facilitate effective and timely risk remediation.
• Assist in the periodic preparation of management, board, and regulatory reporting, regulatory filings, notifications, and responses to audits and regulatory examinations.
• Maintain a current knowledge of consumer protection laws, regulations, emerging risks, and how they impact Frost products, processes, systems, and internal controls.
• Support compliance training initiatives by developing and delivering guidance to employees on regulatory obligations and best practices.
• Always take action using Integrity, Caring, and Excellence to achieve all‑win outcomes.

• Bachelor’s degree in Business Administration, Finance, Accounting, in a related field, or equivalent experience.
• 3+ years of relevant experience in compliance.
• Demonstrated ability to interpret and assess risks and their potential impact to lines of business.
• Demonstrated ability to prioritize risks and create the appropriate action plan to mitigate risks effectively.
• Demonstrated knowledge of applicable laws and regulations.
• Basic understanding of how the Compliance department functions to support the Bank.
• Proven ability to collaborate and establish partnerships with non‑technical stakeholders.
• Proven ability to interpret laws and regulations to disseminate information in non‑technical terms.

• CRCM, CFIRS, or equivalent professional certification.

• Medical, dental, vision, long‑term disability, and life insurance.
• 401(k) matching.
• Generous holiday and paid time off schedule.
• Tuition reimbursement.
• Extensive health and wellness programs, including our Employee Assistance Program.
• Training classes and leadership development.
• Referral bonus program + more.