Flood Risk and Compliance Review Specialist

Fulton Bank • Manheim Township, PA

1d • $20 - $32 • Remote

About The Position

This is a full-time career opportunity that can be remote. Must have the ability to travel to our headquarters location in Lancaster, PA.
The Flood Risk and Compliance Review Specialist performs independent pre‑closing flood compliance reviews for commercial, residential, and consumer real estate secured loans to ensure adherence to federal regulatory requirements. This role serves as a subject matter expert to internal staff, providing guidance on federal flood insurance regulations and the bank's Flood Disaster Protection Act compliance program. The specialist supports the ongoing administration, monitoring, and enhancement of flood compliance processes, ensuring the bank maintains strong regulatory alignment and effective risk mitigation.

Requirements

• High School Diploma or equivalent. (Required)
• 4 or more years banking experience. (Required)
• Strong understanding of federal flood insurance regulations and NFIP requirements (Required)
• Ability to analyze legal, insurance, and regulatory documents with strong attention to detail (Required)
• Excellent verbal and written communication skills (Required)
• Ability to independently solve problems and determine when to escalate risk appropriately (Required)
• Strong organizational and time‑management skills (Required)

Nice To Haves

• Bachelor's Degree or the equivalent experience. Specialty: Business, Finance, Accounting. (Preferred)
• 3 or more years lending, compliance, insurance, or real estate experience. (Preferred)
• Proficiency with loan origination systems and third‑party flood determination tools (Preferred)

Responsibilities

• Independently reviews flood insurance documentation for new loans and loan modifications secured by real estate.
• Analyzes the collateral using information from the appraisal and external mapping tools to verify the accuracy of flood determinations.
• Identifies existing liens and insurable values for collateral requiring flood insurance to accurately calculate the required insurance amount.
• Identifies, researches, and resolves compliance issues with flood insurance documentation.
• Communicates issues to loan officers, internal departments, and insurance agents or carriers, and provides direction and guidance to resolve issues.
• Escalates complex matters to management when necessary.
• Analyzes and reviews private flood insurance policies to determine if they comply with federal law.
• Confirms adequate flood insurance coverage for all buildings and contents before approving flood validation requirements for settlement.
• Provides guidance to bank staff regarding federal flood insurance requirements and compliance with the bank’s flood compliance program.
• Responds to departmental inquiries regarding flood regulations, procedures, and compliance expectations.
• Supports regulatory examinations, internal audits, and ongoing monitoring and testing activities.
• Develops and maintains proficiency with the bank’s Loan Origination Systems and third-party technology platforms, external mapping tools, and Microsoft Office applications.
• Maintains subject matter expertise of all flood-related regulations regarding the National Flood Insurance Program and the Flood Disaster Protection Act, utilizing both internal and external continuing education.
• Assists in updating bank and department procedures to reflect regulatory or operational changes.
• This role may perform other job duties as assigned by the manager.
• Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates.
• This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management.

Benefits

• medical plans with prescription drug coverage
• flexible spending account or health savings account depending on the medical plan chosen
• dental and vision insurance
• life insurance
• 401(k) program with employer match
• Employee Stock Purchase Plan
• paid time off programs including holiday pay and paid volunteer time
• disability insurance coverage
• maternity and parental leave
• adoption assistance
• educational assistance
• a robust wellness program with financial incentives

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED