Operational Compliance Manager

Mountain America Credit Union•Sandy, UT

12d•Hybrid

About The Position

This position provides strategic first-line compliance and regulatory support to lending and operational business units. It leads a high-performing team of Compliance Specialists and Credit Reporting Analysts, ensuring alignment with organizational objectives and regulatory requirements. The role fosters strong partnerships with lending, operations, and second-line compliance teams to proactively identify, assess, and mitigate compliance risks. It also collaborates cross-functionally to resolve complex compliance issues and drive continuous improvement in regulatory adherence across the organization.

Requirements

5 years in lending, compliance, credit administration, underwriting or portfolio management. Dedicated compliance experience preferred.
3 years in a leadership role managing small to medium sized teams; ability to recruit, engage, and develop employees.
Bachelor’s degree from an accredited institution in business, marketing, finance, economics, or related field (Education will be verified); OR three additional years combined with experience years in a progressive financial setting.
Advanced skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel
Experience with analytical and reporting software preferred
Demonstrated experience with various loan origination systems and data collection systems
Demonstrated ability to clearly express ideas, methodology, results, and recommendations verbally, in writing and through insightful reports and graphic illustrations
Demonstrated ability to document outcomes and present information in a manner appropriate for key stakeholders at all levels of the organization
Exhibits strong communication skills and professionalism through situations of productive conflict
Prepares and presents information clearly and professionally, adapting to various audiences and stakeholders
Strong ability to research, read, and interpret government regulations, technical reports, and legal documents.
Maintains strong expertise in CFPB and NCUA rules and regulations applicable to mortgage, consumer, business lending, and deposit operations including BSA, OFAC, TILA, TRID, ECOA, FCRA, REPSA, GLBA, Regulation CC, Regulation DD, SCRA, Flood Standards, Fair Lending, and other regulations as applicable.
Leads team to write various types of documentation, such as procedures manuals, job aids, and reference guides that comply with MACU standards on language, writing style, structure, and format.
Ability to work both autonomously and collaboratively in a fast-paced environment.
Self-starter with strong organizational and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines.
Adaptive to change, responds positively to altered circumstances or conditions.
Possess a desire and willingness to learn and continually update knowledge base on financial concepts, strategies, systems etc.
Takes initiative to be a problem solver and provide suggestions to improve processes and efficiencies.
Excellent interpersonal skills including the ability to lead and collaborate with ad-hoc teams.
Data analytics and data validation skills and proficiency in business data analysis
Ability to sit, talk and hear consistently
Ability to stand, walk, and use hands to handle or reach occasionally
Close vision (clear vision at 20 inches or less)
Distance vision (clear vision at 20 feet or more)
Ability to lift up to 10 pounds occasionally

Nice To Haves

Certified Credit Union Compliance Officer, or equivalent, preferred.
Credit Union Compliance Expert (CUCE), Fair Lending Expert; or other related certifications preferred.

Responsibilities

Develops, reviews, and administers first-line compliance programs with operational business units and identifies reporting needs for regulatory submission.
Leads and supports team in data collection and processes, such as, but not limited to: HMDA data submission, 1071 data submission, NMLS registration, CFPB Credit Card submission and commercial appraisal tracking/ordering.
Owns the end-to-end Metro2 credit reporting lifecycle, including adherence, validation, exception handling, and regulatory compliance for credit reporting.
Collaborates with servicing teams to lead initiatives to improve data quality, reduce reject rates, and enhance reporting accuracy.
Develops and leads the first-line Fair Lending program to identify and manage key fair lending risks.
Utilizes machine learning models to proactively identify patterns of disparate impact and ensure equitable lending practices.
Provides compliance support and research to support business unit questions and needs.
Ensures adequate and accurate compliance monitoring for regulatory timeframes, tolerances, disclosure practices, throughout the loan lifecycle including loan origination, servicing, loss mitigation and collection practices across all portfolio types.
Consults and advises lending & operational teams to ensure consistent and timely Issues Management response and remediation.
Manages operational Issues Management findings from a first-line perspective.
Analyzes trends from internal reports to articulate findings and assist with remediation efforts.
Implements AI-powered compliance monitoring tools to detect anomalies, automate regulatory checks, and enhance data accuracy across lending and operational processes.
Collaborates with business units, training, technology, and compliance teams to create action plans and remediation efforts to mitigate and reduce risk.
Provides first-line compliance support with policy, procedure, and regulation.
Consults and provides support for business unit audits (CFPB, NCUA, External Audits, etc.)
Leads Operational Compliance Specialist in reviewing business unit processes, technology offering, procedure manuals, and automated processes to ensure compliance with all applicable regulations.
Develops interactive dashboards using tools like Power BI or Tableau to visualize compliance trends, risk indicators, and audit outcomes for executive stakeholders.
Reviews and tracks first-line assessments and guides business units through process and associated risks.
Oversees fist-line compliance support for reviewing, maintaining, and version tracking for disclosures.
Trains and coaches team on compliance risk in lending processes and operational support policies, and procedures.
Organizes annual board policy review by collaborating with business units for updates, documenting changes, and completing change request forms for lending and operational sections.
Manages the review and approval of credit union marketing materials for compliance.
Provides insight and information regarding regulatory risk to compliance teams to inform the compliance risk rating of the organization.
Maintains strong knowledge of credit union industry, business practices, processes, and products.
Performs other duties as assigned.