Jobs

The Community Reinvestment Act (CRA) Officer is responsible for developing a Community Development Strategy and related Programs designed to address community development needs and market conditions and comply with the Community Reinvestment Act (CRA). The incumbent provides advice, guidance and technical assistance to first and second line of defense management and the board.

1) Coordinates, tracks and oversees Community Development activities as ANBTX strives to meet the needs of it’s communities through lending, servicing, and investing
2) Develops and Chairs a Community Development Leadership Council for community outreach activities and community service events
3) Provides management support and guidance on programs and opportunities for community development projects with external stakeholder such as community development and local advocacy organizations
4) Manages all aspects of CRA compliance, including development and maintenance of CRA Public File, annual CRA Self-Assessment, and qualification of community development loans, servicing and investments
5) Supports the ongoing maintenance and perform oversight of the Bank’s CRA and HMDA Compliance Policies, Programs and Procedures
6) Provides guidance and support with technical aspects of CRA and HMDA regulations including data collection, preparation and submission of an accurate CRA and HMDA LAR
7) Provides CRA training to employees, management and the Board
8) Reports the status of the Banks CRA, HMDA and Fair Lending performance and compliance to management and the Board
9) Maintains an advanced level of expertise and knowledge of the requirement of various laws, regulations and rulings governing CRA, HMDA and Fair Lending activities

Requirements:

– High School diploma or GED; night trade extension, or correspondence school specialized training, equal to two years of college
– Preferred: Bachelor’s degree
– 8-10 years of related experience and/or training, and 12 -18 months related management experience
– Office is located in Terrell, TX ( 30 miles east of Dallas)

Skills:

– Experience in conducting analysis on large sets of data and documenting and presenting the results
– Ability to handle sensitive issues professionally and discreetly.
– Ability to work strategically across multiple lines of business to create practical compliance solutions
– Advanced knowledge of Microsoft Excel and MS Word; basic keyboarding and calculator skills; must be able to do simple math and carry out written instructions
– Work occasionally requires more than 40 hours per week to perform the essential functions of the position
– Must be able to travel regularly from location to location
– Lifting in an office setting may be requires up to 30 lbs.

The HMDA Compliance Analyst is responsible for assisting in administering and maintaining the Bank’s Compliance program by validating conformity and adherence with the Equal Credit Opportunity Act (ECOA), Fair Housing Act, Home Mortgage Disclosure Act (HMDA), and other applicable federal and state fair lending laws and regulations. The role supports the Bank’s compliance and risk management efforts and creates management reports summarizing HMDA and other lending activity on a periodic (i.e. quarterly) basis.

• Maintains knowledge of HMDA and other fair lending laws/regulations, analyzes potential impact to the Bank and products/services offered, and advises key personnel on recommended policy, procedure, program training changes, and other opportunities
• Provides guidance to the Bank’s First Line of Defense (FLOD) in relation to HMDA data collection, tracking, and reporting software systems, and generation of the HMDA Loan Application Register (LAR) detailing home purchase, home improvement, and home equity loans and lines of credit
• Reviews, validates, and submits the Bank’s HMDA LAR annually to the Regulators by March 1st
• Reviews and analyzes HMDA Data on a quarterly basis, identifying and escalating to the Compliance Officer/Manager and CRA Officer any red flags warranting Management review and consideration
• Performs periodic exception monitoring and majority-minority census tract penetration analyses and prepares appropriate Management reports summarizing the Bank’s mortgage lending activity
• Identifies and evaluates the potential risk areas and conducts periodic file reviews in accordance with compliance laws/regulations
• Assists with remediation and corrective action of compliance deficiencies identified through internal and external compliance reviews, audits, and examinations
• Assists the Bank’s Compliance Officer/Manager in responding to regulator inquiries and reports

• Bachelor’s degree or equivalent education/work experience
• 3-5 years experience in compliance and/or audit; 3 years in banking with working knowledge of compliance laws and regulations
• Office is in Terrell, TX ( 30 miles east of Dallas)

The Community Reinvestment Act ( CRA / Community Development Compliance Analyst) is responsible for assisting and maintaining the Bank’s CRA and Compliance programs to by validating conformity and adherence with the CRA and other applicable state and federal laws and regulations. The role supports the Bank’s compliance and risk management efforts, as well as community development goals, by analyzing and providing actionable and measurable information about the Bank’s CRA performance, including lending, investment, and service activities and trends.

• Maintains knowledge of CRA and other compliance laws/regulations, analyzes potential impact to the Bank and products/services offered, and advises key personnel on recommended policy/procedure/program/training changes and other opportunities
• Provides guidance to the Bank’s First Line of Defense (FLOD) in relation to CRA data collections, tracking, and reporting software systems, and generation of the CRA Loan Application Register (LAR) detailing small business, small farm, and community development loan data
• Reviews, validates, and submits the Bank’s CRA LAR annually to the Regulators by March 1st
• Reviews and analyzes CRA Data quarterly and prepares and presents summary reports and trends to the Bank’s Compliance, CRA and other committees as appropriate
• Identifies and evaluates potential risk areas and conducts periodic file reviews to test for compliance with applicable compliance laws/regulations\
• Assists with remediation and corrective action of compliance deficiencies identified through internal and external compliance reviews, audits, and examinations
• Assist the Bank’s Compliance Officer/Manager in responding to regulator and auditor inquiries and reports

• Bachelor’s degree or equivalent education/work experience
• 3-5 years experience in compliance and/or audit; 3 years in banking with working knowledge of compliance laws and regulations
• Office located in Terrell, TX ( 30 miles east of Dallas)

The Senior Compliance Analyst (Consumer Compliance and Mortgage Servicing) is responsible for performing Mortgage Servicing related components of Colonial’s Federal Consumer Compliance Risk Assessment and regulatory change management program.

• Work with business partners and Compliance team members to maintain Colonial’s Compliance Risk Assessment
• Manage Compliance reviews of customer correspondence
• Maintain precise and detailed version control and supporting documentation
• Work closely with business partners to ensure complete and accurate inputs on Assessment scoring and outcomes are considered and responded to
• Manage Regulatory Change Management projects and tasks relating to Mortgage Servicing
• Read, research, and take ownership for understanding regulatory changes that impact the Mortgage Servicing business unit
• Provide clear interpretation, advice, and recommendations regarding regulatory changes and action plans to achieve implementation thereof
• Coordinate regulatory change management projects to support the business in identifying action plans to implement specific regulatory
• Provide regular reporting to management, and escalate as appropriate regarding implementation delays and risks
• Review regulatory complaints and business unit responses
• Conduct thorough account reviews to ensure accuracy and completeness of responses
• Assist with track and report on complaint trending
• Keep current on industry enforcement actions, major litigation, regulatory statements and guidance
• Field federal consumer regulatory compliance interpretation and advice inquiries submitted by the Mortgage Servicing business unit
• Administer review of Mortgage Servicing correspondence and ensure that requested revisions are made prior to approval
• Maintain organized documentation of submitted materials, revisions requested and final approved materials
• Design and conduct special purpose and targeted compliance tests at the direction of the CCO and/or Compliance manager
• Produce detailed, clear and accurate reports of results, along with recommendations for improvements to address compliance exceptions
• Participate in second line of defense monitoring of flood insurance related activities and act as a subject matter expert relating to flood insurance regulations
• Execute special purpose and targeted compliance tests
• Other consumer compliance related responsibilities as needed

• 3+ years of Mortgage Servicing Consumer Compliance experience required
• Operational experience in Mortgage Servicing strongly preferred
• Demonstrated ability to meet Compliance Management System (CMS) objectives
• Demonstrated ability to foster collaborative, inclusive and open communication
• Consumer compliance auditing and/or compliance testing experience strongly preferred
• CRCM preferred or willingness to obtain
• Experience managing multiple compliance projects and responsibilities related to consumer protection is required
• Ability to lead projects and maintain clear and complete documentation
• Ability to operate independently and within a team
• Ability to effectively manage and adhere to strict timelines
• Ability to apply strategic thinking and make sound judgments related to compliance risks
• Ability to discern compliance risk and communicate effectively to management
• Excellent written and verbal communication skills
• Ability to build and maintain effective partnerships with multiple stakeholders
• Proficient with data management and possess expert computer skills including Word, Excel and PowerPoint

The Senior Compliance Analyst (Consumer Compliance and Mortgage Originations) is responsible for performing mortgage originations related components of Colonial’s Federal Consumer Compliance Risk Assessment and regulatory change management program.

• Work closely with business partners and Compliance team members to maintain Colonial’s Compliance Risk Assessment
• Maintain precise and detailed version control and supporting documentation
• Precisely follow written methodology and procedure documentation for the Assessment process
• Serve as a subject matter expert on federal regulations regarding flood insurance and provide oversight of the bank’s ongoing controls relating to compliance with flood regulations
• Manage Regulatory Change Management projects and tasks relating to mortgage originations to ensure new and revised federal consumer compliance rules and regulations are identified on a timely basis, tracked, assessed for applicability and communicated promptly to relevant business partners
• Read, research and take ownership for understanding regulatory changes that impact the mortgage originations business units
• Provide clear interpretation, advice and recommendations regarding regulatory changes and action plans
• Coordinate regulatory change management projects to support the business in identifying action plans to implement specific regulatory changes
• Obtain regular updates as to the status of action plans and proactively seek and maintain documentation of implementation
• Provide regular reporting to management, and escalate as appropriate regarding implementation delays and/or risks
• Review regulatory complaints and business unit responses
• Conduct thorough account reviews as necessary to ensure accuracy and completeness of responses
• Assist with track and report on complaint trending
• Keep current on industry enforcement actions, major litigation, regulatory statements and guidance
• Field federal consumer regulatory compliance interpretation and advice inquiries submitted by the mortgage originations business units
• Administer review of Mortgage Production correspondence, letters and marketing materials and ensure that requested revisions are made prior to approval
• Maintain organized documentation of submitted materials, revisions requested, and final approved materials
• Design and conduct special purpose and/or targeted compliance tests at the direction of the CCO and/or designated Compliance manager
• Produce detailed, clear and accurate reports of results, along with recommendations for improvements to address compliance exceptions
• Participate in second line of defense monitoring of flood insurance related activities and act as a subject matter expert relating to flood insurance regulations
• Other consumer compliance related responsibilities as needed

• 3+ years of Mortgage Production Consumer Compliance experience required
• Operational experience in Mortgage Production strongly preferred
• Demonstrated ability to meet Compliance Management System (CMS) objectives
• Demonstrated ability to foster collaboration, inclusion, open communication and a positive environment
• Consumer compliance auditing and/or compliance testing experience strongly preferred
• CRCM strongly preferred or willingness to obtain
• Experience managing multiple compliance projects and responsibilities related to consumer protection is required
• Lead projects and maintain clear, complete documentation
• Ability to operate independently and within a team
• Effectively manage timelines and maintain detailed and organized records
• Ability to apply strategic thinking and make sound judgments related to compliance risks
• Ability to discern compliance risk and communicate effectively to management
• Ability to multi-task and meet deadlines despite competing priorities
• Excellent written and verbal communication skills
• Ability to build and maintain effective partnerships with multiple stakeholders
• Proficient with data management and possess expert computer skills, including working knowledge of Word, Excel and PowerPoint

The Compliance Officer is responsible for assisting the VP, Compliance and Community Development Manager in supporting and maintaining the Bank’s Compliance Program.

This job description does not imply an employment contract, nor is it intended to include every duty and responsibility that employee is responsible. Duties and tasks may be assigned by management team based on department and business need.

Jefferson Bank is an EEO employer and an Affirmative Action Employer, M/F/Disability/Protected Veteran Status.

Click the link below to be redirected to the Equal Employment Opportunity Commission’s website to view the “EEO is the Law” Poster: http://www.eeoc.gov/employers/upload/poster_screen_reader_optimized.pdf and the “EEO is the Law” Poster Supplement:
https://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.pdf

• Supports and assists with efforts to comply with all applicable laws and regulations.
• Maintains knowledge of current and changing federal and state (as applicable) banking laws and regulations with an understanding of how they apply to and impact bank functions.
• In collaboration with business units, assists in the identification and assessment of compliance risks and evaluate the adequacy of mitigating controls.
• Assists business line personnel in understanding applicable regulatory requirements.
• Assists with execution of compliance monitoring plan including review conclusions, maintaining work papers, and writing reports.
• Assists with the preparation, review and updating, as necessary, of regulatory policies, procedures to ensure the bank’s compliance with all applicable federal and state laws.
• Assists with the implementation of changes to new or amended bank regulations, particularly ensuring that officers and employees are informed of and trained in those changes.
• Prepares written drafts of formal compliance review reports concerning the bank’s record of compliance, to include a listing of any deficiencies, violations of law, and recommendations for improvement.
• Researches regulatory issues to assist with response to compliance questions from Bank personnel, utilizing available resources.
• Reviews Bank forms, notices, brochures and advertisements for compliance with laws and regulations
• Assists in preparing the Bank for audits and regulatory examinations, including responses to examination and audit tracking and follow up as directed.

Work Experience
• Two to four years or more of work as a bank regulatory compliance or bank examination experience or bank compliance auditing experience
• Demonstrated ability to successfully work with all levels of bank staff
• Good verbal and written communication skills
• Must be able to handle multiple projects

Preferred Experience (Optional)
• Five or more years of bank regulatory compliance experience or bank examination experience

Education/Skills/Experience
• Four year college degree
• Experience in developing and administering compliance risk management and training programs.
• Ability to work and communicate with internal and external customers and Senior Management
• Certification as a regulatory compliance professional is preferred – CRCM or CCBCO
• Must have good analytical skills
• Must have excellent communication skills, both written and oral
• Must have good research skills

Equipment/Machines/Software
• Excellent computer literacy in all Microsoft Programs and spreadsheet applications (Outlook, Word, Excel, PowerPoint)
• Ability to work with office equipment such as multi-lined telephones, copiers, scanners, shredders, and fax

Position Includes Driving
• Yes, valid driver’s license needed

Competency Requirements
• Must be able to focus on details and analyze information
• Must be organized and work in a fast paced environment
• Ability to work independently with minimal supervision

Physical Requirements
• Must be mobile in an office environment
• Must be able to sit and look at a computer screen for long periods of time
• Must be able to speak and hear
• Must be able to lift, push or pull files up to 10 pounds
• Must be able to use a keyboard for typing communications
• Must be able to focus on details and analyze information
• Must be comfortable speaking in front of small to large groups of people
• Must be organized and work in a fast paced environment

Conduct compliance risk assessment, audit, and/or related activities for our in-area, financial institution clients, as well as occasional support of out-of-area customers, by assessing their conformity with federal consumer compliance regulations.

TIB, N.A. is an equal opportunity employer and does not discriminate against an individual based on the individual’s race, color, age, religion, sex, sexual orientation, gender (including pregnancy), gender identity, national origin, disability, genetics, citizenship status, veteran status or any other protected characteristic or activity.

• Support preparation of client engagement request letters, organization of provided material, set up of intended work programs and worksheets, research client bank policies, procedures and other demographics
• Daily client service to include compliance review and audit testing, risk analyses, and related activities for our area financial institution clients
• Present conclusions and findings to the Engagement Leader in detailed, concise reports and provide well-defined solution or recommendations for noted violations and/or deficiencies
• Provide support to both customers and TIB officers, regarding regulatory guidelines, by staying abreast of regulatory publications and analyzing regulatory examination reports
• Specific client engagements will include, but not limited to, transaction testing, interviewing, observation, writing timely and accurate draft report segments, and responding to client questions regarding our service and other regulatory concerns
• Fostering positive relationships with clients through professional client interactions
• Provide on-site and/or remote support to clients located in various locations

• Bachelor’s degree required, preferably in Finance or Accounting
• 2 years of financial and banking experience preferred
• Overnight travel, up to 40% of the time, required
• Obtain and/or retain CCBCO and BSAP professional certifications
• Previous audit, examination, and oversight experience is a plus
• Basic knowledge of the banking system and general processes expected
• Specific knowledge of federal compliance regulations and the Bank Secrecy Act
• Excellent PC skills, including Microsoft office products (Word, Excel, and Outlook)
• Individual should possess good interpersonal skills and be able to work within and foster a team environment
• Ability to communicate effectively, both verbally and in writing, and across all levels

The Fair Lending Compliance Advisor reports to the Fair and Responsible Banking Officer and is responsible for leading the development and deployment of a robust and sustainable Fair Lending Compliance Program in alignment with the Bank’s Compliance Management System and the Enterprise Risk Management Framework.

– Promote a culture of fair lending throughout the Bank.
– Serves as lead Fair Lending Advisor for the development, implementation, and maintenance of Fair Lending Program elements.
– Participates as a key stakeholder and subject matter expert (SME) on Fair Lending Laws/Regulations (ECOA, FHA, FCRA, HMDA) during Fair Lending compliance tests, internal audits and regulatory examinations
– Reviews existing Fair Lending compliance controls for regulatory updates and performs the necessary gap analysis.
– Leads the development and execution of the Annual Fair Lending Risk Assessment and assists with the execution of the Annual Compliance Risk Assessment
– Maintains Fair Lending Program and Fair Lending Policy documents and enhances where necessary.
– Works with senior and/or executive level internal and external stakeholders to resolve fair lending issues and gain consensus on resolution.
– Provides timely oversight and feedback for lending related initiatives, such as new and changing products and services, enhanced capabilities, new product delivery channels, marketing, etc.
– Reviews and responds effectively to feedback received from associates, management, compliance testing, internal audits and regulatory examinations.
– Member of Fair and Responsible Banking Oversight Committee
– Build strong partnerships across the organization and provide advice on Fair Lending related matters.
– Prepare reports for management and Board committees.
– Stay current on the regulatory environment and expectations through discussions with peers, seminars, webinars, roundtables, bankers’ associations, etc.

– Bachelor’s degree in Finance, Accounting or Business preferred; or equivalent years of experience (Required)
– Certified Regulatory Compliance Manager Certification (CRCM) (Preferred)
– 5+ years of experience in a financial institution (Required)
– 2+ years of managerial experience in a financial institution setting (Required)
– 3+ years of experience in ECOA, FHA, FCRA, HMDA and UDAAP (Required)
– 3+ Experience in conducting fair lending self-evaluations and/or comparative file reviews (Required)
– Experience working with federal regulatory agencies during the exam process including the OCC, Federal Reserve, FDIC and/or CFPB (Preferred)
– Knowledge of consumer protection laws and regulations impacting financial institutions (Required)
– Knowledge/Experience with CRA/HMDA reporting and analysis system platforms (Required)
– Knowledge of Fair and Responsible Banking Marketing Risks (Preferred)