**Essential Duties and Responsibilities** • Performs RJ Bank fair lending compliance reviews and analyzes the fair lending risk within various business units. • Performs periodic compliance monitoring and prepares reports summarizing the Bank's fair lending activity. • Supports the comparative file/matched pair analyses for Residential, Consumer, and Small Business lending portfolios. • Supports the Home Mortgage Disclosure Act (HMDA) compliance program by reviewing reportable transactions, compiling data, and performing validity and quality edit reviews. • Provides advice and guidance to the Bank's First Line of Defense concerning HMDA data collection and Fair Lending-related topics. • Completes and maintains the Bank’s fair lending risk assessments. • Participates in the Bank’s Complaint program oversight and management. • May coach, train, and mentor other Compliance associates. • May assist with developing and implementing continuing education and training programs for the department in conjunction with management. • Establishes objectives and develops processes and procedures to ensure adherence to all regulatory requirements. • Partners with business units to recommend policy and process changes to Senior Management. • Ensures effective coordination occurs within assigned work groups and with other work groups. • Serves as a resource on compliance issues to clients and staff. • May serve as a compliance liaison on various committees and projects representing the department's interests. • Serves as a member of the relevant fair and responsible banking committees and/ or working groups as needed. • Research regulatory updates to identify linkages and trends and apply findings. • Performs periodic reporting on compliance and operational issues as required. • Assists in preparing the operational budgets for assigned functional areas. • Balances conflicting resource and priority demands. • Performs other duties and responsibilities as assigned. **Knowledge, Skills, and Abilities** **Advanced Knowledge of:** • Fair lending-related regulations (i.e., HMDA, ECOA, FHA, CRA, UDAAP) with a minimum of three years of experience • Familiarity with Bank complaint processes and exceptional customer service skills • Concepts, practices, and procedures of banking compliance and knowledge of the securities industry a plus • Rules and regulations of: Federal Reserve System; Consumer Financial Protection Bureau (CFPB); Federal Deposit Insurance Corporation (FDIC); Federal Financial Institutions Examination Council (FFIEC); Office of the Comptroller of the Currency (OCC); state banking regulatory agencies. • Investment concepts, practices, and procedures used in the banking and financial services industry. • Principles of banking and finance industry operations. • Regulatory exams, inquiries, and internal reviews. **Advanced skill in:** • Performing fair lending comparative file reviews for underwriting and pricing. • Financial data analysis model development, model review, and validation. • HMDA data integrity file review experience. • Identifying loan origination systems controls and data is preferred. • Operating standard office equipment and using required software applications. • Planning and scheduling work to meet regulatory, organizational, and regulatory requirements. • Identifying and applying appropriate compliance monitoring procedures and tests. • Responding to regulatory inquiries and examination preparation tasks Preparing oral and/or written reports. • Investigating compliance issues and irregularities. • Making rule-based and analytical decisions. • Strong verbal and written communication. **Ability to:** • Coach and mentor others. • Partner with other functional areas to accomplish objectives. • Facilitate meetings, ensuring all viewpoints, ideas, and problems are addressed. • Attend to detail while maintaining a big-picture orientation. • Work concurrently under pressure on multiple tasks and meet deadlines in a fast-paced work environment with frequent interruptions and changing priorities. • Use appropriate interpersonal styles and effectively communicate with all organizational levels, both orally and in writing. • Work independently as well as collaboratively within a team environment. • Establish and maintain effective working relationships at all levels of the organization. • Maintain confidentiality. • Maintain currency in laws, rules, and regulations related to compliance in assigned functional areas. • Interpret and apply policies and identify and recommend changes as appropriate. • Quantitatively and/or qualitatively process data. • Formulate and implement department strategies consistent with long-term company goals. • Promote team cohesiveness, cooperation, and effectiveness. **Educational/Previous Experience Requirements** + Bachelor’s degree (B.A. /B.S.) and a minimum of eight (8) years of experience in Compliance and/or the financial services industry preferred. ~or~ + Any equivalent combination of experience, education, and/or training approved by Human Resources. **Licenses/Certifications** + None Required. + CRCM Certification Preferred + Additional licenses/certifications demonstrating the candidate’s knowledge/expertise in industry regulation and concepts preferred.