Senior Compliance Examiner

Aqua Finance, Inc.•Bartlett, TN

4d•Onsite

About The Position

The Senior Compliance Examiner executes the compliance testing plan by conducting research, reviewing business operations, performing transaction testing, documenting results, and validating remediation to ensure issues are effectively resolved. This role leads ad hoc testing for new products and initiatives, develops testing plans, evaluates findings, and provides recommendations and progress updates to management. The Senior Compliance Examiner partners closely with business teams, facilitates testing discussions, monitors regulatory changes, and provides oversight and guidance to other examiners. Aqua Finance (Aqua) delivers flexible and consumer-friendly financing programs so families across the U.S. can bring their dreams to life. Our financing solutions make clean water, home renovations, and the great outdoors more affordable. We’re a growing, national company with values that are deeply rooted in a midwestern culture that cares about you as an individual. We succeed when you succeed and celebrate what you bring to Aqua. Here are Aqua, we say “Yes” to helping you succeed! Beyond finding your dream career, we aim to be a first-choice employer.

Requirements

Bachelor’s degree in a related field or equivalent experience required
5+ years of experience in financial services compliance supporting consumer indirect or direct lending, including 3+ years in a compliance testing or monitoring environment
Proven ability to lead end-to-end compliance reviews, including scoping, planning, execution, and reporting
Experience using automation and technology to improve testing efficiency and validate controls
Experience assessing first- and second-line control environments
Strong working knowledge of consumer regulations including TILA, ECOA, FCRA, FDCPA, EFTA, ESIGN, GLBA, MLA, SCRA, TCPA, and UDAAP
Strong analytical skills with the ability to interpret regulations and apply them to business processes
Ability to identify trends, emerging risks, and root causes across testing cycles
Experience developing clear, defensible testing documentation and reports
Ability to influence stakeholders and communicate findings effectively
Experience partnering with legal, risk, audit, and operational teams to resolve compliance issues
Strong organizational skills with the ability to manage multiple priorities and deadlines
Demonstrated sound judgment, professional skepticism, and attention to detail
Proficiency in Microsoft Office; Jira/Confluence experience preferred
Ability to thrive in a fast-paced environment

Nice To Haves

Certified Regulatory Compliance Manager (CRCM) preferred
Jira/Confluence experience preferred

Responsibilities

Lead consumer compliance reviews as Lead Examiner and provide guidance to testing team members to ensure adherence to applicable federal and state consumer finance regulations
Maintain strong awareness of regulatory changes, business initiatives, and change management impacts
Prepare clear, well-documented workpapers outlining testing procedures, results, and analysis
Apply independent judgment when evaluating business practices, compliance risks, and recommendations; escalate issues as appropriate
Identify compliance risks and assess the adequacy of control environments based on testing results
Provide regular progress updates and reporting to management
Draft comprehensive and defensible testing reports
Build and maintain effective working relationships with business partners and stakeholders
Respond to business inquiries related to compliance requirements and risk interpretation
Review and analyze policies, procedures, workflows, and first-line monitoring activities
Research regulatory and operational issues and provide clear, actionable recommendations or escalate as needed
Develop corrective action recommendations, review management action plans, and validate remediation through issue closure
Support special projects and other duties as assigned