Fair Lending Compliance Lead

Job Details:
Level: Experienced,

Job Location:

Richland Goethals
- Richland, WA 99352, Position Type:
Full Time
- Hourly, Education Level: 4 Year Degree, Salary Range: $40.12 - $80.85 Hourly, Job Category:
Compliance, Take a leap and join our team!

At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Get to know us:

About
- Gesa Credit Union

Under the direction of the VP of Compliance, the Fair Lending Compliance Lead is responsible for developing, administering, and monitoring the Credit Union’s Fair Lending Program and supporting compliance oversight for residential real estate, consumer, commercial, and small-business lending activities. This role evaluates lending products, servicing, collections, marketing, and related business practices for compliance with applicable federal and state laws and regulations, with a primary emphasis on fair lending.

Serving as a second line of defense, the position partners with lending business units to identify regulatory risks, provide guidance, support corrective action, and promote effective compliance practices across the organization.

• Develop, administer, and maintain a sustainable Fair Lending Program, including program documentation, policies, procedures, reporting, data inputs, monitoring activities, and related best practices
• Partner with lending business units to identify and evaluate compliance risks associated with new or modified products, services, underwriting, pricing, servicing, collections, marketing, systems, controls, policies, and procedures
• Design and execute fair lending risk assessments, statistical monitoring, data analysis, regression analysis, file reviews, and comparative file reviews to assess compliance with fair lending laws, regulations, guidance, and internal program expectations
• Administer fair lending software and related business applications; analyze reports, maintain tracking tools, and support accurate, timely reporting of fair lending compliance matters
• Prepare periodic reports, dashboards, and updates for the VP of Compliance, executive leadership, Audit Committee, Board of Directors, and other governance groups, as appropriate
• Serve as a subject matter expert and compliance resource for lending-related laws and regulations, including HMDA, Regulation Z, RESPA, mortgage servicing, FCRA, ECOA, Fair Housing Act, SAFE Act, Flood Disaster Protection Act, Fair Debt Collection Practices Act, and Homeowners Protection Act
• Research, analyze, interpret, and apply lending regulations and regulatory guidance; provide practical recommendations to business partners and management regarding compliance requirements and risk mitigation
• Review lending-related marketing materials, promotional campaigns, media, solicitations, disclosures, and member-facing communications for compliance with applicable federal and state requirements prior to release, when applicable
• Conduct internal compliance reviews, self-assessments, and monitoring activities as part of the second line of defense; communicate requirements, coordinate requested materials, document results, and track findings through resolution
• Coord…