Job Description

Position Summary

Our recruitment firm has been engaged by a prominent banking client to identify a Consumer Compliance Specialist for a strategic temp-to-perm opportunity. This role is focused on ensuring the bank’s lending practices meet all federal and state regulatory requirements, with a heavy emphasis on Fair Lending (HMDA/ECOA) and consumer protection laws.

The successful candidate will move from an initial contract phase into a permanent role, serving as a key member of the Compliance and Risk Management team.

Key Responsibilities

I. Fair Lending & Analysis

• Regulatory Oversight: Monitor and ensure compliance with the Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), and Home Mortgage Disclosure Act (HMDA).
• Data Review: Conduct comparative file reviews and statistical analysis to identify potential disparities in underwriting, pricing, or marketing.
• HMDA Reporting: Audit and validate HMDA LAR (Loan Application Register) data for accuracy and timely submission.

II. Regulatory Compliance & Testing

• Compliance Testing: Perform periodic testing of consumer loan files (Mortgage, Auto, Personal) to ensure adherence to Regulation Z (TILA), Regulation B, and TRID.
• Policy Maintenance: Review and update internal compliance manuals and procedures to reflect changes in federal or state law.
• Audit Support: Assist in the preparation for internal audits and external regulatory examinations (FDIC/OCC/CFPB).

III. Advisory & Training

• Business Unit Liaison: Serve as a subject matter expert for the retail and mortgage lending teams, providing guidance on compliant marketing and disclosure requirements.
• Risk Mitigation: Identify gaps in the compliance program and recommend corrective action plans to senior leadership.
• Training Support: Assist in developing and delivering compliance training modules for bank staff.

Technical Qualifications

• Experience: 3+ years of experience in consumer compliance, specifically within a bank or financial services firm.
• Regulatory Knowledge: Deep understanding of ECOA, HMDA, TILA, and UDAAP.
• Analytical Skills: Proficiency in Excel for data analysis; experience with compliance software (e.g., CRA Wiz, RiskExec) is a plus.
• Certification: CRCM (Certified Regulatory Compliance Manager) or similar designation is highly preferred but not required for the contract phase.

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