Senior Compliance Analyst

California Coast Credit•San Diego, CA

14h•Onsite

About The Position

The Senior Compliance Analyst supports California Coast Credit Union’s (CCCU) Compliance Management System (CMS) by conducing regulatory research, monitoring, documentation updates, and compliance analysis. Ensures adherence to applicable federal and state laws and regulations, across consumer compliance, Bank Secrecy Act (BSA)/Anti-Money Laundering (AML), privacy, lending, operations, marketing, and emerging regulatory expectations. The Senior Compliance Analyst is a seasoned compliance professional who works across all areas of the CMS, supports internal partners, and contributes to examinations, assessments, issue remediation, training, and risk‑based reviews. This role provides guidance, drafts and revises documentation, and supports implementation of new or changed regulatory requirements.

Requirements

Bachelor’s degree in Business, Finance, or related fields.
Minimum 7 years recent, directly relevant financial‑institution compliance experience (consumer compliance, BSA/AML, OFAC, operations, lending, privacy).
Proficiency in Verafin software or similar AML software is required.
Experience in project management and working with auditors and examiners.
Strong analytical, communication (oral and written), and personal computer skills. Ability to gather, compile and present data in a clear and logical manner.
Must be organized and detail oriented to work efficiently.
Must demonstrate the capability to identify the implications of new and revised laws and regulations to the company.
Ability to follow directions from a supervisor, interacts effectively with co-workers, follow work rules and work independently.
Must have sound writing and grammar proficiency, present numerical data effectively and ability to edit own work for spelling and grammar.
Strong computer skills with Microsoft Office.
Strong organizational skills, attention to detail and the ability to handle multiple simultaneous projects are required.
Operates with independence of judgment and escalates issues consistent with regulatory expectations.

Nice To Haves

Preferred industry certifications such as Certified Anti-Money Laundering Specialist or similar certifications from reputable government recognized industry organizations.
Symitar experience preferred.

Responsibilities

Tracks, analyzes, and documents regulatory changes issued by NCUA, CFPB, FinCEN, OFAC, DFPI, and applicable state laws.
Maintains regulatory change logs and coordinates with business units to ensure timely implementation of new or amended requirements.
Summarizes regulatory developments and identifies operational impacts to products, services, and internal processes.
Drafts, updates, and maintains compliance related documentation, including policies, procedures, disclosures, forms, marketing materials, and training content.
Ensures documentation aligns with current regulatory expectations and internal standards.
Maintains organized records of historical and current compliance materials.
Conducts or supports a minimum of six (6) risk based compliance reviews per year, focusing on the highest risk areas identified through the Enterprise Risk Assessment.
Performs review planning, testing, fieldwork, documentation, and reporting under the direction of management.
Evaluates compliance with laws, regulations, and internal standards; drafts findings; and assists with remediation follow up and issue tracking.
Supports management of the complaint program, ensuring complaints are logged, tracked, analyzed, and elevated appropriately.
Conducts UDAAP assessments and reviews of member facing materials to ensure regulatory accuracy and fairness.
Provides timely, accurate compliance guidance to business partners through the compliance help desk.
Supports preparation for internal and external audits and regulatory examinations.
Coordinates information requests, gathers documentation from business units, and assists with remediation activities related to compliance findings.
Maintains CMS documentation to ensure exam readiness at all times.
Supports BSA operations including CTRs, SARs, Elder Financial Exploitation reviews, Beneficial Ownership requirements, OFAC screening, Monetary Instrument Logs (MIL), and 314(a)/314(b) processes.
Utilizes Verafin or similar AML software to support monitoring, investigations, and reporting.
Provides clear, well researched compliance interpretations to business units.
Assists operational, lending, marketing, and branch staff in resolving compliance issues and understanding regulatory requirements.
Supports development and delivery of compliance training.
Contributes to departmental budget preparation.
Performs other duties as assigned by management.