Compliance Officer

Gate City Bank•Fargo, ND

4d•Hybrid

About The Position

The Compliance Officer leads the Bank’s Compliance Program and oversees the effectiveness of its Compliance Management Program throughout the life cycle of one or more assigned groups of key products, services, and operations, such as Retail, Marketing, or Mortgage Lending. As a member of the Compliance & Assurance Services team, this role works with leaders across the Bank to assess business processes, identify and manage compliance risk, and support organizational effectiveness and efficiency. The Compliance Officer acts as a trusted business advisor, bringing a balanced risk-reward perspective and constructively challenging business leaders to help the Bank meet risk management, operational, and commercial objectives. The role serves as the Bank’s subject matter expert on compliance requirements for assigned areas. It manages a risk-based Product & Service Compliance Program, ensures applicable requirements are identified and communicated, and helps maintain effective policies, procedures, controls, training, monitoring, and testing. The Compliance Officer also evaluates new or changed products, services, operations, systems, and vendors for compliance; tracks changes in legal, regulatory, and corporate requirements; collaborates with the Bank’s first-, second-, and third-line functions; and participates in regulator engagement and examinations. The position is based at the Fargo Corporate Office and is listed as on-site / hybrid, with hours of 8 a.m. to 5 p.m., Monday through Friday. A bachelor’s or associate degree is preferred, along with 3–5 years of related experience or an equivalent combination of education and experience. The role requires banking and compliance knowledge, strong analytical and communication skills, project-management experience, and achievement and maintenance of a relevant compliance or payments certification.

Requirements

Bachelor’s degree or associate degree preferred, or an equivalent combination of education and experience.
3–5 years of related experience, or an equivalent combination of education and experience.
Technical knowledge of banking and compliance, particularly consumer lending and deposit products and services.
Knowledge of federal statutory and regulatory frameworks, including relevant consumer and wealth management regulations such as TILA, TISA, HMDA, ECOA, the Fair Housing Act, RESPA, EFTA, CRA, FTC Act, and applicable OCC guidance and regulations.
Knowledge of privacy, complaint management, cash management, anti-money laundering, and suspicious-activity requirements.
Project management experience with large-scale projects.
Ability to use technology tools, including data analytics, to improve audit effectiveness and efficiency.
Ability to work in a complex team environment, with strong communication and organizational skills.
Working knowledge of bank technology and operating systems.
Working knowledge of compliance and regulatory concepts, practices, and methodologies.
Working knowledge of risk management principles and practices.
Strong analytical and critical-thinking skills.
Excellent listening, verbal, written, and presentation communication skills.
Strong influencing and negotiation skills.
Interest in continuous operational improvement.
Achieve and maintain a Certified Regulatory Compliance Manager (CRCM), Accredited ACH Professional (AAP), Accredited Payments Risk Professional (APRP), or equivalent certification.

Nice To Haves

Bachelor’s or associate degree (preferred).

Responsibilities

Serve as the Bank’s subject matter expert on compliance requirements for assigned products, services, or business lines.
Manage a risk-based Product & Service Compliance Program across the life cycle of assigned products, services, and operations, in accordance with the Bank’s Compliance Program.
Help ensure the Bank maintains an effective Compliance Management Program and meets applicable OCC and other regulatory agencies’ compliance risk management expectations for assigned areas.
Maintain detailed knowledge of assigned products, services, operations, and relevant regulatory and corporate requirements; ensure requirements are identified and effectively communicated to management.
Ensure applicable policies, procedures, controls, and training address key compliance requirements; write policies and procedures where appropriate.
Develop and maintain risk-based compliance monitoring and testing programs, methodologies, and test programs for first- and second-line functions; conduct monitoring and testing where appropriate.
Track changes to applicable legal, regulatory, and corporate requirements and ensure they are implemented effectively and on time.
Conduct due diligence before new, expanded, or modified products and services are implemented.
Conduct due diligence before operational, systems, or vendor changes are implemented.
Collaborate with appropriate first-, second-, and third-line functions to address compliance issues promptly; design and perform validation where appropriate.
Communicate with regulators as part of the Bank’s Regulator Engagement Program and participate in regulatory examinations where applicable.
Deliver consistently exceptional service to team members and customers, and maintain effective working relationships with internal and external partners.
Demonstrate reliable attendance, comply with Bank policies and applicable laws, maintain attention to detail, and exercise sound judgment in a fast-paced environment.
Use approved AI-enabled tools responsibly to improve productivity, problem-solving, decision-making, and efficiency while following company policies and privacy standards.