Compliance Examiner
The Compliance Examiner is responsible for conducting consumer compliance reviews, regulatory testing, risk assessments, and issue validation activities. This role evaluates business processes and controls for compliance with applicable federal and state consumer finance regulations, identifies compliance risks, documents findings, and supports remediation efforts. Compliance Examiners work closely with business partners and provide regular status updates to Senior Compliance Examiners and management throughout the review lifecycle.
Essential Functions
Participate in consumer compliance reviews by executing assigned testing activities in accordance with applicable federal and state consumer finance regulations
Maintain working knowledge of relevant regulatory requirements, regulatory changes, and business initiatives, and understand their potential compliance impacts
Prepare clear, accurate, and well-documented workpapers that outline testing procedures performed, results obtained, and supporting analysis
Apply sound judgment when evaluating business practices and compliance risks within assigned areas; escalate potential issues or concerns to senior team members as appropriate
Identify compliance risks and control gaps based on testing results and observations, and communicate findings to the review lead
Provide timely status updates on assigned testing activities to management
Contribute to the development of comprehensive and defensible testing reports
Establish and maintain effective working relationships with business partners and internal stakeholders during the course of reviews
Respond to business partner inquiries regarding compliance requirements and regulatory expectations
Review and analyze policies, procedures, workflows, and first-line monitoring activities
Research regulatory and operational questions and summarize findings; provide recommendations or escalate complex issues as appropriate
Develop corrective action recommendations, review management action plans, and validate remediation efforts through issue closure
Support special projects and perform other duties as assigned
Required Education and Experience
Bachelor’s degree in Business, Finance, Risk Management, Compliance, Legal Studies, or a related field, or commensurate work experience, required
5 years of experience in financial services, consumer lending, compliance, risk management, internal audit, or related regulatory functions required, including at least 3 years of experience conducting compliance testing, monitoring, auditing, or examination activities.
Certified Regulatory Compliance Manager (CRCM) certification preferred
Working knowledge of consumer retail finance regulations, including TILA, ECOA, FCRA, FDCPA, EFTA, ESIGN, GLBA, MLA, SCRA, TCPA, UDAAP, and other applicable federal and state regulations
Strong analytical skills with the ability to interpret regulations and apply them to business processes
Independently plan, organize, and execute assigned testing activities while meeting established timelines and quality standards
Ability to identify trends, emerging risks, and root causes across testing cycles
Strong written and verbal communication skills, including the ability to clearly document findings and present recommendations to stakeholders
Experience developing clear, defensible testing documentation and reports
Ability to influence stakeholders and communicate findings effectively
Experience partnering with legal, risk, audit, and operational teams to resolve compliance issues
Strong organizational skills with the ability to manage multiple priorities and deadlines
Demonstrated sound judgment, professional skepticism, and attention to detail
Advanced proficiency with Microsoft Office applications (Excel, Word, PowerPoint); experience with Jira, Confluence, compliance management systems, or data analytics tools preferred
Ability to thrive in a fast-paced environment
Physical Demands
While performing the duties of this job, the employee is frequently required to sit, stand, walk, visualize, talk, hear, and handle or touch objects or controls. The employee may occasionally lift, push, or pull up to 20 pounds.
This position is office-based and requires prolonged periods of sitting and extensive computer use throughout the workday.