Retail Compliance and QC Analyst

Origin Bank • Dallas, TX

4d

About The Position

The Retail Compliance and QC Analyst establishes and monitors deposit compliance and quality control processes, including first-line-of-defense management, to support regulatory compliance and effective risk management. The role tracks laws and regulations that may affect Retail business unit policies and ensures compliance with applicable federal, state, and local requirements.

The position oversees retail compliance monitoring, maintains risk and control measures, supports regulatory guidance for retail staff, coordinates with internal teams and external partners, and tests policy and procedure changes on the Deposit Origination platform. It also oversees quality control reviews, reporting, trend analysis, corrective actions, and banker coaching. The analyst collaborates with Learning and Development to prepare training materials and deliver training as needed. The role has no supervisory responsibilities and may occasionally require travel. Work is typically performed in a professional corporate banking office environment.

Requirements

• Expert-level knowledge of federal and state regulatory compliance and related laws.
• Bachelor's degree from a four-year college or university, or alternatively, five to seven years of senior-level compliance and quality-control experience.

Nice To Haves

• Prior compliance experience at a large or regional bank subject to direct CFPB oversight and supervision.

Responsibilities

• Monitor new or revised regulations, general compliance issues, and information technology developments relevant to departmental compliance.
• Coordinate efforts to monitor and maintain compliance with federal and state regulations.
• Establish and maintain Risk and Controls Self-Assessments (RCSA), compliance-centric Key Risk Indicators (KRI), and Key Performance Indicators (KPI).
• Track retail compliance objectives and activities related to standards and legal requirements.
• Establish and maintain operating procedures and processes, including first-line-of-defense management monitoring.
• Collaborate with Regional Operations Managers to hold compliance meetings, identify existing and emerging risks, and implement mitigating control changes.
• Work with the Compliance, Internal Audit, and Operational Risk teams.
• Provide retail staff with guidance 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 distribute compliance and other relevant information.
• Retest findings resulting from internal or external retail audits.
• Assist operations teams with projects and help ensure work meets deadlines, bank policies, and regulatory requirements.
• Work with Core Support and Deposit Operations to test and document new policy and procedure releases on the Deposit Origination platform.
• Collaborate with vendors and partners to ensure reports and findings are prepared accurately and on time.
• Work with management and department managers to address and correct findings or deficiencies.
• Oversee first-line-of-defense management monitoring and test RCSA, KRI, and KPI measures.
• Maintain knowledge of deposit account requirements and Origin Bank policies and procedures.
• Compile, distribute, and present monthly management reports based on review findings.
• Escalate unresolved critical deficiencies to appropriate management.
• Recommend operational quality improvements based on review findings.
• Review deposit account and compliance exceptions to determine quality-control selections.
• Identify quality-control trends and challenges and implement resolutions.
• Coach bankers on quality-control trends and challenges.
• Collaborate with Learning and Development to produce training materials, maintain those materials, and assist with or conduct training sessions to address deficiencies.

Benefits

• Competitive total rewards package, including benefits and compensation tailored to skills, experience, and education.
• Dream Manager program.
• One-on-one guidance from a nationally certified health and wellness coach.
• Free access to certified financial professionals.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior