Compliance Manager

Concora Credit•Beaverton, OR

11d

About The Position

As a Compliance Manager, Card Program, you’ll help drive Concora Credit’s Mission to enable customers to Do More with Credit – every single day. The impact you’ll have at Concora Credit: You’ll be responsible for managing the general-purpose card account origination compliance program by ensuring compliance with applicable consumer lending laws and regulations. The Compliance Manager is an experienced compliance professional who has a proven track record of managing card regulatory compliance within the financial services industry. We hire people, not positions. That's because, at Concora Credit, we put people first, including our customers, partners, and Team Members. Concora Credit is guided by a single purpose: to help non-prime customers do more with credit. Today, we have helped millions of customers access credit. Our industry leadership, resilience, and willingness to adapt ensure we can help our partners responsibly say yes to millions more. As a company grounded in entrepreneurship, we're looking to expand our team and are looking for people who foster innovation, strive to make an impact, and want to Do More! We’re an established company with over 20 years of experience, but now we’re taking things to the next level. We're seeking someone who wants to impact the business and play a pivotal role in leading the charge for change.

Requirements

Bachelor’s degree or equivalent experience.
At least 5 years of professional work in the financial services industry with a strong understanding of credit cards, payments, and consumer lending systems.
Strong knowledge of consumer compliance regulations and risk assessments.
Demonstrated track record of execution and results.
Ability to problem solve based on strong analytical and technical skills and manage multiple and competing priorities.
Excellent written and oral communication skills.
Excellent decision-making, problem-solving and judgment skills.
Ability to effectively interact with all levels of an organization.
Excellent organizational and prioritization skills.
Critical Thinking: Has a thorough understanding of the regulatory environment, applicable rules, and regulations applicable to the area of responsibility. Understands the totality of the impact of a proposed solution and implements what’s best for the company overall. Understands and clearly communicates the difference between regulatory requirements, industry standards, and business risk decisions.
Leadership & People Management: Leads by example. Works collaboratively with colleagues in Compliance and in the company and strategic partners. Creates strong morale and spirit with his/her team. Shares wins and successes. Actions reflect a commitment to the success of Compliance. Provides timely objective and constructive feedback to management, colleagues and staff. Solicits, understands and accepts the perspective of others. Champions the development of diverse teams and leverages their strengths.
Results Oriented & Accountability: Strong bias toward action. Owns successes and failures, and those of the team, and applies learning from both to the benefit of future efforts. Proactively provides relevant compliance advice and guidance. Manages resources to balance quality, urgency, and execution.
Communication Skills: Excellent professional writing skills. Communications are clear, concise, and tailored to the audience. Influences others without relying on direct authority.

Nice To Haves

CRCM certification, preferred.

Responsibilities

Manage the general purpose card compliance program with a focus on credit card marketing, underwriting, product and account feature development, and account acquisition channels.
Detect regulatory compliance issues and ensure they are properly documented and escalated.
Partner with business line management to identify solutions and risk mitigation strategies.
Maintain a strong working knowledge of applicable federal and state laws and regulations, including Fair Lending, Reg Z, Reg B, Reg E, BSA/AML, UDAAP, FCRA, TILA, ECOA, FDCPA, GLBA/Privacy, MLA, SCRA, and other relevant federal and state requirements.
Monitor for relevant regulatory updates and compliance trends to identify potential upstream risks and issues. Communicates opportunities to business line management to drive adjustments.
Partner with the business line management in developing policies, procedures, processes, standards, and marketing material that meet regulatory requirements.
Implement continual optimization to improve efficiency and effectiveness and ensure the program evolves with business growth and regulatory expectations.
These duties must be performed with or without reasonable accommodation.

Benefits

Medical, Dental and Vision insurance for you and your family
Relax and recharge with Paid Time Off (PTO)
6 company-observed paid holidays, plus 3 paid floating holidays
401k (after 90 days) plus employer match up to 4%
Pet Insurance for your furry family members
Wellness perks including onsite fitness equipment at both locations, EAP, and access to the Headspace App
We invest in your future through Tuition Reimbursement
Save on taxes with Flexible Spending Accounts
Peace of mind with Life and AD&D Insurance
Protect yourself with company paid Long-Term Disability and voluntary Short-Term Disability
Concora Credit provides equal employment opportunities to all Team Members and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.