Vice President Senior Compliance CRA Officer

• Compliance Management Program
• Compliance Training Program

• Compliance Risk Assessment

• Self-Monitoring Program

• Bank’s Insurance Program

2. Review the following:

• Marketing materials to ensure compliance with applicable rules and regulations

• Bank forms to ensure compliance with applicable rules and regulations

• LOB Compliance monitoring reports

• Compliance training reports

3. Monitor the following:

• Consumer complaints to identify possible weaknesses and insufficiency of Bank policy and procedures

• Results of internal and/or external audits for compliance related issues to ensure timely and accurate responses

4. Committee Responsibilities

• Prepare & Chair:
  
  • Compliance Committee
  • CRA Committee
  • Insurance Committee

5. Act as Bank’s CRA Officer

• Monitor Bank’s CRA service, investment, and loan activity to ensure qualifications are being met
• Report status of Bank’s overall CRA efforts to the Board of Directors
• Maintain Bank’s CRA Public File
• Maintain and update the Bank’s CRA Policy

6. Act as Bank’s Regulation O Officer

• Monitor NSF activity reports for possible overdraft activity of Regulation O Insiders
• Conduct Reg O compliance reviews of insider loans
• Conduct annual Reg O insider survey
• Report status of Bank’s overall Regulation O efforts to the Board of Directors
• Maintain and update the Bank’s Reg O Policy

7. Additional Departmental Responsibilities such as:

• Function as primary liaison for examiners during federal and/or state Compliance and CRA Examinations
• Attend applicable regulatory training, seminars, and conferences to maintain regulatory consumer compliance knowledge
• Determine effects of consumer protection laws and regulations on Bank policy, procedures, and practices
• Maintain and update various consumer compliance policies
• Implement changes to Bank policy, procedures, and practices to ensure compliance with consumer protection laws and regulations
• Inform Bank management and lines of business regarding changes to Federal and State regulatory law
• Inform Bank management regarding the outcomes of reviews and investigations to escalate concern

Nonessential Duties

• Other duties as assigned