Community Reinvestment Act (CRA) Officer (Hybrid)

Enova International • South Jordan, UT

20d • Hybrid

About The Position

The Community Reinvestment Act (CRA) Officer is responsible for the leadership, strategic direction, and administration of the Bank’s CRA program. This role involves high-level strategy, specifically developing, implementing and managing the Bank’s CRA Strategic Plan, while overseeing data reporting, community partnership development, and examination management.

Requirements

• 7+ years of experience in banking compliance, with at least 5 years focused on CRA management at a $2B+ institution.
• Expert-level knowledge of the CRA (Regulation BB) and fair lending (ECOA/UDAAP).
• Experience with managing the CRA compliance examination process and engaging with regulators.
• Bachelor’s Degree in business administration, finance, public policy or related field.

Nice To Haves

• Proven track record of developing or managing a CRA Strategic Plan is highly preferred.
• CRCM (Certified Regulatory Compliance Manager) designation is strongly preferred.

Responsibilities

• Lead the development, implementation, and multi-year management and monitoring of the Bank’s CRA Strategic Plan.
• Ensure goals are measurable, attainable, and aligned with the bank’s business model.
• Provide quarterly reporting on performance against goals, emerging regulatory risks, and community impact.
• Maintain and update the CRA Policy and Public File, ensuring full transparency and compliance with applicable rules.
• Identify and manage high-impact relationships with Community Development Financial Institutions (CDFIs), non-profits, and government agencies to identify and facilitate Qualified Investments and Community Development Loans.
• Develop creative service opportunities for staff that leverage the Bank’s unique technology expertise to benefit Low-to-Moderate Income (LMI) individuals and small businesses and LMI communities.
• Conduct ongoing community needs assessments to ensure the Bank’s CRA activities are responsive to the specific needs of its Assessment Area.
• Lead the timely and accurate annual filing of CRA data in accordance with regulatory deadlines.
• Coordinate the administration of CRA examinations and serve as the primary point of contact for regulators.
• Coordinate with Internal Audit and third-party reviewers to proactively identify and remediate program weaknesses.

Benefits

• Health, dental, and vision insurance including mental health benefits
• 401(k) matching plus a roth option (U.S. Based employees only)
• PTO & paid holidays off
• Sabbatical program (for eligible roles)
• Summer hours (for eligible roles)
• Paid parental leave
• DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
• Employee recognition and rewards program
• Charitable matching and a paid volunteer day

What This Job Offers

• Job Type: Full-time
• Career Level: Senior