Senior Compliance Analyst

Hudson Valley Credit Union•Poughkeepsie, NY

18h

About The Position

Hudson Valley Credit Union is currently recruiting for the position of Senior Compliance Analyst. This role serves as a senior-level resource supporting the AVP of Fair Lending & Responsible Banking in executing the credit union's fair lending, responsible banking, and broader compliance objectives. The position provides advanced support across regulatory research, project research, complaint review, and compliance inquiries from business units, ensuring activities align with regulatory requirements, credit union policy, and fair & responsible banking principles. The Senior Compliance Analyst applies seasoned business judgment to evaluate compliance, UDAAP, and fair lending risks, and serves as a senior resource to junior analysts, offering guidance and peer review support on day-to-day deliverables. This position supports compliance officers and collaborates across business units to resolve issues efficiently, address root causes, identify emerging trends, and strengthen the overall control environment.

Requirements

Bachelor’s Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience in Business or related field required.
Minimum 5 years of experience in banking combined with compliance, audit or relevant business experience required.
Minimum of 3 years Demonstrated knowledge of consumer protection regulations (ECOA/Reg B, Fair Housing Act, UDAAP, EFTA/Reg E, Reg Z, HMDA, etc.) required.
Proven ability to exercise independent judgment, manage multiple priorities, and provide guidance to less experienced staff required.

Nice To Haves

Prior experience in Jack Henry (Symitar, Synergy, Synapsis), Temenos, MeridianLink, MSP (BlackKnight), or Empower preferred.
Compliance Professional Certification (NCCO, CRCM, CAMS) preferred.

Responsibilities

Conduct in-depth regulatory research on federal and state laws impacting the credit union, including ECOA/Reg B, Fair Housing Act, UDAAP, EFTA/Reg E, Reg Z, HMDA, and other applicable regulations; summarize findings and recommend actions for the AVP.
Support project research and impact assessments for new products, services, marketing campaigns, system changes, and process enhancements to ensure fair lending and compliance considerations are addressed.
Monitor regulatory developments, examination trends, and industry guidance; recommend updates to policies, procedures, and controls as needed.
Serve as a point of contact for compliance inquiries from business units, providing timely, well-reasoned guidance grounded in regulatory requirements and credit union policy.
Partner with Lending, Marketing, Deposit Operations, and other business units to interpret regulatory requirements and support sound business decisions.
Escalate complex or higher-risk matters to the AVP with preliminary analysis and recommended next steps.
Assist in the review and resolution of escalated member complaints, ensuring thorough investigation and timely response in alignment with regulatory requirements and credit union standards.
Exercise discretion and professional judgment to assist in assessing regulatory applicability, including ECOA/Reg B, Fair Housing Act, UDAAP, EFTA/Reg E, and other applicable laws.
Draft and review clear, accurate, and compliant response letters, applying independent analysis of facts and regulatory context.
Identify complaints that may involve potential fair lending or responsible banking risk and escalate to the AVP with preliminary assessments of impact and urgency.
Assist in prioritizing workloads, coordinating deliverables, and ensuring consistent quality across the team.
Serve as a subject matter resource for the team on regulatory interpretation, complaint handling, and analytical approach.
Support the development of complaint-handling and compliance training for business units, frontline staff, and analyst-level team members.
Maintain accurate records of research, inquiries, complaint reviews, outcomes, and root-cause findings in the appropriate systems, ensuring documentation meets regulatory and audit expectations.
Ensure all records meet documentation standards for internal audits, regulatory examinations, and risk assessments, applying judgment and regulatory interpretation to ensure completeness and accuracy.
Support the AVP in preparing for regulatory inquiries and examinations related to fair lending, responsible banking, and consumer complaints, independently compiling information and assessing regulatory significance.
Recommend enhancements to complaint management processes, workflows, and system capabilities.
Provide preliminary insights and recommendations for process or policy changes based on recurring trends and root-cause analysis.
Maintain up-to-date knowledge of applicable laws, regulations, and examination trends; recommend policy and procedural changes as needed.
Participate in cross-departmental projects and strategic initiatives.
Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
Responsible for regular and predictable attendance including punctuality.