Retail Compliance and QC Analyst

Origin Bank • Ruston, LA

7d

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 organizational policies and ensures the Retail business unit complies with federal, state, and local regulatory requirements.

The position monitors regulatory developments and technology changes, maintains risk and compliance measures and operating procedures, provides guidance to retail staff, and coordinates with internal teams, regional operations managers, vendors, and partners. It also tests and reviews quality-control activities, reports findings and trends, supports corrective actions, and helps develop and deliver training. The role has no supervisory responsibilities.

Work is typically performed in a corporate banking office in a professional, collaborative environment, using secure financial systems and standard office equipment. The role may occasionally require travel. Remote positions are intended to be filled in Alabama, Florida, Louisiana, Mississippi, or Texas; exceptions require management approval and regulatory review.

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 is preferred.

Responsibilities

• Monitor the impact of new or changing regulations and general compliance issues and concerns.
• Monitor information-technology advancements to ensure departmental adaptation and compliance.
• Coordinate efforts to monitor and maintain compliance with federal and state regulations.
• Establish and maintain Risk and Controls Self-Assessments (RCSA), compliance-focused 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 on compliance meetings, emerging and existing risks, and control changes to mitigate risks.
• Collaborate with Compliance, Internal Audit, and Operational Risk stakeholders.
• Provide retail staff with guidance and answers regarding 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 compliance and other relevant information.
• Retest findings arising from internal or external retail audits.
• Assist operations at all levels with projects and compliance with Origin 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 and deficiencies.
• Oversee first-line-of-defense management monitoring.
• Test RCSAs, KRIs, and KPIs 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 findings.
• Report 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 as needed.
• Coach bankers on quality-control trends and challenges.
• Collaborate with Learning and Development to produce training materials.
• Compile and maintain training 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: Mid Level