Senior Risk Compliance Officer - Fair Banking

First Horizon•Memphis, TN

6d•Onsite

About The Position

The Fair Banking Senior Officer provides subject matter expertise focused on fair banking risk, with an emphasis on leading redlining analysis and providing advisory support to markets. The role blends compliance and fair banking oversight, ensuring practices protect clients, align with regulatory expectations, and support sustainable growth. The associate partners closely with first-line leaders in the markets, providing guidance on federal and state fair lending/fair banking requirements and UDAAP, and translating complex analytics into actionable improvements.

Requirements

Bachelor’s degree required, advanced degree a plus.
5+ years of Banking experience or equivalent combination of education and experience.
Previous experience in banking compliance, fair lending/fair banking, or related risk/audit functions within a regulated financial institution.
Demonstrated expertise in redlining analytics, including HMDA data, peer benchmarking, census/demographic analysis, mapping/visualization, and narrative development.
Proven ability to complete risk assessments, conduct Banking Center/ATM Impact Analysis, and generate high-quality reporting and dashboards.
Deep working knowledge of federal and relevant state laws and regulations impacting fair banking and client outcomes, including Fair Housing Act, Fair Lending, Unfair, Deceptive or Abuse Acts & Practices, Equal Credit Opportunity Act (Reg B), Fair Debt Collection Practices Act, and State Predatory Lending Laws.
Strong analytical skills with advanced Excel capability; ability to interpret testing results, complaints, and performance metrics.
Excellent written and verbal communication skills—able to translate complex regulatory and analytical concepts into clear, actionable guidance for associates and management.
Organized, proactive, and able to manage multiple priorities with a strong sense of urgency and ownership.

Nice To Haves

Experience with Wiz SaaS platform preferred; familiarity with SQL, Altair Monarch or data visualization tools (e.g., Tableau/Power BI) is a plus.

Responsibilities

Lead the redlining analytics lifecycle: scoping, peer selection, data quality and validation, statistical and qualitative analysis, and narrative development.
Analyze HMDA and internal production data to evaluate penetration, market share, banking center/marketing distribution, and outreach in majority-minority census tracts.
Produce clear, management-ready reports and presentations; recommend and track corrective actions with urgency.
Serve as a trusted advisor to market and business partners on a wide range of regulations, including Fair Housing Act, Fair Lending, UDAAP, ECOA/ Reg B, Fair Debt Collection Practices Act, and State Predatory Lending Laws.
Complete formal risk assessments for assigned regulations.
Conduct Banking Center/ATM Impact Analysis for openings, closures, relocations, and service changes; assess client access, majority-minority tract impacts, fair banking considerations, and recommend mitigation plans.
Maintain thorough documentation that supports transparent, repeatable processes.
Assist management with audit and regulatory exam readiness by coordinating and delivering complete, accurate, and timely data, documenting processes and controls, and compiling traceable supporting documentation through closure.
Work directly with market leadership, Community Development/CRA teams, Mortgage, and frontline associates to interpret analysis, align action plans, and verify execution outcomes.
Bring a strong sense of urgency, follow-through, and problem-solving to close gaps and improve client outcomes.