Risk Management Specialist

ChoiceOne Bank•Fenton, MI

16h•Onsite

About The Position

At ChoiceOne Bank, we offer more than banking jobs — we provide meaningful careers with opportunities to grow and thrive right here in Michigan. As the state’s premier community bank with over 125 years of history and 56 locations across West, Central, and Southeast Michigan, we are committed to creating a positive workplace built on respect, integrity, and teamwork. Our employees enjoy competitive benefits, career advancement, professional development programs, and the chance to make an impact in the communities where they live and work. Whether you’re starting your career or looking to take the next step, ChoiceOne Bank offers rewarding Michigan banking careers where you can build your skills, achieve work-life balance, and grow your future.

Requirements

High School Diploma or GED
Minimum of three (3) to five (5) years of Banking experience
Knowledge of Microsoft Office products, Word, Excel, and PowerPoint required.
Ability to work in an office environment which may include many hours of computer and telephone usage.

Nice To Haves

Bachelor’s Degree preferred
Certified or willing to pursue certification in Compliance, BSA, and/or Security
Two (2) to three (3) years of exposure to consumer and mortgage lending regulations preferred
Additional formal education or practical experience with Compliance, BSA and Security preferred

Responsibilities

Report to and assist management in ensuring the Bank’s compliance with State and Federal Banking Regulations and assisting in overseeing the audit function of the Bank.
Conduct internal compliance audits of bank products/services per audit schedule as approved by Audit Committee of the Board, including scheduling with department heads, gathering documentation, conducting testing, obtaining management responses and preparing reports to present at Compliance and Audit Committee of the Board.
Contribute to the development of risk assessments.
Manage annual compliance review calendar and maintain timely reporting.
Act as Bank liaison to external compliance auditors, including distributing audit request lists to Bank personnel and coordinating receipt and upload of items to external auditors’ portals.
Independently manage open audit/exam items list, including initiating communication with responsible parties regarding progress and completion status.
Responsible for assigned reviews within the annual compliance plans; determination of scope of review, presentation of findings, coordination of management responses, and content of final report.
Support the HMDA and CRA data collection and reporting process.
Support the CRA Officer by providing timely reporting and maintaining operational controls for the CRA program in general.
Conduct quarterly reviews of employee accounts for unusual activity / evidence of fraud, while maintaining requisite confidentiality – prepare timely reports for Audit Committee review.
Develop quarterly reporting for the audit committee related to investigations into employee accounts to rule out fraud. Determine when to involve management in investigations.
Determine ways to drive the efficiency of the Ncontracts programs relative to compliance and audit to maximize our use of that software.
Compose, edit, and distribute procedure manuals. Answer related procedural questions for bank staff.
Prepare monthly and quarterly reports as required.
Attend outside training (seminars, webinars, meetings) for continuing education and/or to represent the Bank.
Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
Be familiar with and comply with all federal and state banking regulations as applicable.
Additional responsibilities as assigned.