Compliance Consultant

• Review and analyze information, reports, or data to determine compliance with internal policy or regulations
• Assist management with development, maintenance, and support of the Compliance Management System (CMS)
• Provide subject matter advice, oversight, and guidance on bank policies, compliance interpretation, risk assessments, issue management, policy and procedure review, controls evaluation, exam management, data management, and risk mitigation
• Collaborate with all lines of defense departments to support regulatory commitments and develop enhanced monitoring and controls
• Interpret and communicate compliance management information
• Identify root causes of potential compliance risks
• Advise on addressing risks and strengthening controls
• Provide periodic reports to management
• Monitor compliance issues and analyze risk mitigation strategies and tactics
• Validate the effectiveness of corrective action plans
• Identify opportunities to improve compliance control design and effectiveness
• Issue final reports and communicate results to first-line management or risk committees

• 2+ years of related experience in Regulatory Compliance, Risk Management, Internal Audit or similar field
• High school diploma required;
  Bachelor's degree in related field preferred
• Ability to assess compliance with applicable federal and state statutes, including TILA, RESPA, ECOA, FCRA, HPA, and FDPA
• Knowledge of program-specific requirements including ARM, DSCR, Interest Only, HELOC/HEL
• Knowledge of regulatory requirements from FNMA, FHLMC, FHA, VA, USDA, and FRB, CFPB
• Intermediate knowledge of general mortgage lending compliance and operations
• Knowledge of issue management, regulatory change management, and document review activities applicable to residential retail and correspondent mortgage lending
• Intermediate knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices
• Intermediate understanding of MS Office
• Intermediate ability to foster and build relationships to achieve a common goal
• Intermediate speaking and writing communication skills

Demonstrates expertise in Regulatory Compliance and Risk Management, with a strong ability to assess compliance with federal and state statutes. Proficient in developing and maintaining Compliance Management Systems while effectively communicating compliance information and fostering relationships across departments.

• Regulatory Compliance
• Risk Management
• Compliance Management System (CMS)
• Federal and State Statutes
• Mortgage Lending Compliance

• Compliance Analysis
• Risk Assessment
• Policy Review
• Controls Evaluation
• Data Management
• Corrective Action Plans
• Regulatory Change Management
• Document Review
• Issue Management
• Compliance Reporting

• Communication Skills
• Relationship Building
• Collaboration

• TILA
• RESPA
• ECOA
• FCRA
• HPA
• FDPA
• FNMA
• FHLMC
• FHA
• VA

• MS Office