Senior Compliance Officer – Killeen, TX

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Senior Compliance Officer

* Bachelor’s degree in a related field or an equivalent combination of education and experience, required. Degree may substitute for one year of bank compliance experience.
* Seven (7) or more years’ experience in financial services required.
* Minimum of five (5) years’ previous bank compliance experience required.
* Minimum of five (5) years’ experience working with Regulation B, Regulation C, Regulation X, Regulation Z, and HMDA compliance
* Strong foundation and business experience of compliance regulations affecting lending, deposit and operational areas of a financial institution and industry/” best practices” approaches.
* Exemplary analytical, technical, and complex problem-solving skills with strong attention to detail.
* Strong leadership capabilities and organizational skills: ability to effectively prioritize tasks, follow up, and produce consistently accurate work in adherence to deadlines.
* High ethical standards, excellent judgement, logic and reasoning ability.
* Exceptional verbal and written communication, collaboration and time management skills.
* Ability to adapt to various work environments and project schedules.
* Ability to work independently as well as in a team environment with all levels of personnel.
* Ability to maintain confidentiality.
* Must work under minimal supervision.
* Proficient in Microsoft Office suite.
* CRCM preferred or ability to obtain within one (1) year of employment.
* Must be able to get along with co-workers and work effectively in a team environment
* Must successfully pass background investigation according to company policy.

* Assist the Director of Compliance with developing, administering and maintaining the Bank’s Compliance Management Program in order to ensure compliance with all consumer protection laws as well as state and federal regulations.
* Supervise compliance professionals which include managing, training, quality control, and overseeing work of applicable staff. Responsible for performance and coaching of staff, development of team goals and objectives and ensuring performance targets are met.
* Perform targeted compliance reviews, control enhancement projects, and risk mitigation initiatives. Establish those activities subject to coverage, evaluate their significance, and assess the degree of inherent risk of the activity.
* Develop and update risk assessments, including the design and execution.
* Serve as the subject matter expert for the bank’s lines of business with an emphasis in lending to include but not limited to: Regulation B, Regulation C, Regulation Z, and Regulation X.
* Evaluate and monitor consumer complaints to identify trends, root cause, regulatory impact, sufficiency of Bank policy and procedures as well as internal change(s) necessary to mitigate future risks.
* Lead applicable work groups to assure effective regulatory change management while partnering with affected business units.
* Interpret regulatory requirements, legislative changes, and effectively communicate the potential impact to affected business lines. Conduct gap analysis for associated business units.
* Review regulatory risks associated with new Business initiatives, new products/services and process changes identifying conditions required to comply with applicable rules and regulations.
* Prepare comprehensive reports and summaries for management, applicable committees and the board which identifies significant developments, vulnerability/risks, testing results, key risk indicators, root cause, and initiatives underway.
* Advise the line of business on options and alternative methods of remediating regulatory compliance issues identified through self-assessments, compliance monitoring, compliance testing, Internal Audits and regulatory examinations.
* Develop and manage strong working relationships with the business units.
* Collaborate with and assist the First Line of Defense in the identification and documentation of relevant monitoring activities as well as achieving regulatory compliance.
* Oversee the work performed by staff for accuracy, completeness, relevancy, and adherence to standards.
* Train staff on regulations, risk assessments, project management, internal controls, testing tools and techniques, compliance standards, processes and procedures.
* Review marketing materials as well as Bank forms and disclosures to ensure compliance with applicable rules and regulations.
* Partner with business liaisons and compliance counterparts to maintain open communication and successful working relationships.
* Research regulatory issues and respond to compliance questions from Bank personnel, using legal and regulatory reference materials, regulatory agencies, Bank legal counsel and professional associations/organizations, as appropriate.
* Regular and predictable attendance and punctuality
* Travel as necessary.
* Other duties as assigned.
Physical Requirements:

* Must be able to remain in a sitting or standing in stationary position for extended periods of time
* Require repetitive motions of the hands and wrist related to writing and typing on an electronic keyboard
* Operate a computer and other office machinery for extended periods of time
* Ability to lift, push or pull up to 25 pounds

FNBT is an Equal Opportunity Employer