Senior Financial Non-Depository Examiner

State of Maryland•Baltimore City, MD

1d•Hybrid

About The Position

A Financial Non-Depository Examiner, Lead is the lead level of financial examination work. Employees in this classification examine the accounts, records, consumer transactions and business practices of non-depository financial institutions (i.e., consumer loan, sales finance, installment loan, mortgage lenders, collection agencies, check cashiers, money transmitters and debt management companies) primarily located at the business’ headquarters. Resumes may be submitted as supplemental information; however, all sections of the application must be completed in full. Incomplete applications will not be considered. GRADE 19 LOCATION OF POSITION 100 S. Charles Street, Baltimore, MD 21201 Main Purpose of Job The Examiner Lead/Advanced conducts and leads risk-focused examinations of licensed non-depository financial institutions regulated by the Office of Financial Regulation (OFR), including but not limited to money services businesses (e.g., money transmitters) and consumer lenders (collectively, “Licensees”). Examinations assess compliance with applicable state and federal laws and regulations and evaluate whether Licensees operate in a safe, sound, lawful, honest, and fair manner that protects consumers and the integrity of the financial system. This position serves as Examiner-in-Charge (EIC) for complex and higher-risk examinations with full responsibility for planning, coordinating, and executing the examination process from scoping through report issuance. The Examiner Lead/Advanced directs examination activities, assigns and reviews work performed by Examiner Trainee, Examiner I and Examiner II staff, ensures examination procedures are properly executed, and approves workpapers and findings for accuracy, completeness, and regulatory sufficiency. While this position provides technical leadership, mentoring, and quality control oversight, it does not serve in a formal supervisory capacity. In addition to examination leadership responsibilities, the Examiner Lead/Advanced supports the Director in strengthening supervisory programs, enhancing examination methodologies, improving policies and procedures, and advancing agency strategic initiatives related to the oversight of Licensees. The Examiner Lead/Advanced reports to the Director of Money Services and Consumer Credit Supervision. This is an advanced-level examiner classification that operates with a high degree of independence and professional judgment. An Examiner Lead/Advanced is an examiner position that may, in management’s discretion, work remotely in accordance with the Agency’s telework policies.

Requirements

Eight years of experience, four years of experience examining or auditing the accounts, records and business practices of non-depository financial institutions or in managerial or professional work in the financial services, consumer loan, sales finance, installment loan, mortgage lenders, collection agencies, check cashiers, money transmitters, debt management and/or law enforcement industries and four years of additional regulatory, investigatory, managerial or professional experience in the financial services industry, consumer credit industry, mortgage lending industry, accounting or auditing work or State or federal experience regulating the above industries or in law enforcement.
Candidates may substitute the possession of a Bachelor's degree from an accredited college or university including or supplemented by a total of 24 credit hours in business administration, finance, economics, law, criminal justice or accounting and four years of experience examining or auditing the accounts, records and business practices of non-depository financial institutions or in managerial or professional work in the financial services, consumer loan, sales finance, installment loan, mortgage lenders, collection agencies, check cashiers, money transmitters, debt management and/or law enforcement industries for the required experience. These credit hours must include a minimum of 6 credit hours in either accounting or auditing.
Candidates may substitute the possession of a Juris Doctor degree from an accredited law school, a certificate as a Certified Public Accountant, or a Master’s degree in business administration or accounting from an accredited college or university for one year of the required experience.
Candidates may substitute U.S. Armed Forces military service experience as a commissioned officer in logistics specialist classifications or administrative support specialty codes in the financial management or auditing fields of work on a year-for-year basis for the required experience.
1 year of experience in BSA/AML, digital assets or cryptocurrency, cybersecurity, or financial statement review

Nice To Haves

1 year of supervisory or leadership experience
Served as Examiner in Chief (EIC) on a state or federal financial regulatory examination
CAMS (Certified Anti-Money Laundering Specialist)
CFE (Certified Fraud Examiner)
CISA (Certified Information Systems Auditor)
CRCM (Certified Regulatory Compliance Manager)
CPA (Certified Public Accountant) or CIA (Certified Internal Auditor)
CMBE (Certified Money Service Business Examiner)

Responsibilities

Schedules, assigns, and supervises the regulatory examinations of money transmitters and other Licensees to ensure compliance with applicable federal and state laws and regulations.
Manages the review of licensees' responses to examination findings.
Resolves escalated issues that arise between examination staff, licensees, and other agency staff during independent or joint examinations.
Reviews workpapers, draft findings, and reports of examinations prepared by other examiners for quality, accuracy, and consistency.
Trains, and provides advice and guidance to Examiners in all facets of the examination process.
Assists with resolving escalated issues that arise between examination staff, licensees, and other agency staff during independent or joint examinations.