Retail Compliance and QC Analyst

Origin Bank•Dallas, LA

7d•Hybrid

About The Position

The Retail Compliance and QC Analyst will establish and monitor deposit compliance and quality control processes, including first line of defense management to ensure regulatory compliance and effective risk management. In addition, they will track laws and regulations ensuring the Retail business unit complies with federal, state, and local regulatory requirements that might affect the organization's policies.

Requirements

Expert level knowledge of federal and state regulatory compliance and related laws.
Bachelor's degree (B. A.) from four-year College or University, or alternatively, five to seven years of senior level compliance and quality control experience.
Prior compliance experience at a large/regional bank with subject to direct CFPB oversight and supervision preferred.

Responsibilities

Monitor the impact of new regulations or changes to existing regulations, and general compliance issues and concerns.
Monitor advancements in information technologies to ensure departmental adaptation and compliance.
Oversee and coordinate efforts to monitor and maintain compliance with all federal and state regulations.
Establish and maintain Risk and Controls Self-Assessment (RCSA) and compliance-centric Key Risk Indicators (KRI) and Key Performance Indicators (KPI) to assess performance and identify potential risk.
Ensure retail compliance objectives are met and activities related to standards and legal regulations are tracked and identified.
Establish and maintain operating procedures and processes, including first line of defense management monitoring.
Collaborate with Regional Operations Managers to facilitate compliance meetings to identify both existing and emerging risks and implement changes in controls to mitigate those risks.
Collaborate with key stakeholders within the Compliance Team, Internal Audit Team and Operational Risk Team.
Provide compliance guidance to and answer questions from retail staff on federal and state regulations including FinCEN, BSA, FCRA, FDIC, OFAC, Reg CC, Reg DD, Reg E, Reg V, UDAP, privacy laws, Dodd-Frank and other consumer related laws and regulations.
Collect and disseminate information related to compliance and other relevant subjects.
Perform re-test of findings due to an internal or external retail audit.
Provide assistance at all levels of operations as needed to complete projects on time and stay in compliance with Origin Bank policies and regulatory requirements.
Work with the Core Support and Deposit Operations teams to test and document all new policy and procedure releases on the Deposit Origination platform.
Collaborate with vendors and partners to ensure timely and accurately prepared reports and findings.
Work with management team and department managers to ensure findings and/or deficiencies are addressed and corrected.
Oversee first line of defense management monitoring.
Test Risk and Controls Self-Assessments (RCSA) and Key Risk Indicators (KRI) and Key Performance Indicators (KPI) to assess performance and identify potential risks.
Maintain knowledge of deposit account requirements and Origin Bank policies and procedures.
Compile, distribute, and present monthly management reports based on review of findings.
Report unresolved critical deficiencies to appropriate management.
Recommend quality operational improvements based on review of findings.
Review deposit account and compliance exceptions to determine QC selections.
Determine QC trends and challenges and implement resolutions as required.
Coach bankers on QC trends and challenges.
Collaborate with Learning and Development to produce high quality training materials.
Compile and maintain training materials and assist in or conduct training sessions as needed to address deficiencies.