Specific areas of risk focus include digital product operations and scope deliverables, business continuity and disaster recovery, network and infrastructure security, cybersecurity, and third parties, data management and analytics, emerging technology and digital solutions, automation of programs and projects, application controls, and regulatory/compliance requirements.• Assist first line of defense business unit with identification and mitigation strategies for areas of non-compliance with product related policies and standards.• Review Product processes, risk, controls and compliance against leading practice, industry, or enterprise frameworks, assess sustainability, identify gaps in design and execution, and communicate issues and recommendations to risk management and key stakeholders.• Work with risk management and partners to assess, design, and implement new Product risk and control frameworks, sustainable solutions, operating processes and people models to address key and evolving risks. • Support and monitor efforts in executing on regulatory MRA deliverables.• Experience with three lines-of-defense frameworks, integrated risk management practices, and/or risk intelligence capabilities• Process risk assessments by analyzing risk data and identifying any plausible risks affecting the business and operations• Conducting tests and reporting on the performance of risk mitigating controls• Evaluates the strengths and weaknesses of existing controls and provides opportunities for improvement• Reviews identified risks and liabilities; informs and recommends resolutions with business lines to mitigate risk potential• Interprets and applies procedures, ensures analysis is documented and that records are maintained• Operates as a point of contact for the division by responding to inquiries• Researches a wide variety of topics and issues including emerging risks and trends and risk management best practices; summarizes and communicates findings with team

● Conducts complex enterprise-wide regulatory compliance reviews through process, transaction testing, and procedure review with focus on Fair Lending analysis in accordance with Interagency Fair Lending Examination Procedures, the Equal Credit Opportunity Act, Regulation B, and the Fair Housing Act, as well as Unfair, Deceptive or Abusive Acts and Practices (“UDAAP”)● Performs ongoing data integrity validation and complex statistical analysis on Fair Lending data● Monitors exceptions identified during compliance reviews from remediation plan to completion and provides timely reports to management● Advises and directs business leaders through the Corporate Compliance Officer team managers and specialists to ensure regulatory requirements are addressed in line of business procedures and controls enabling day to day activities operate in a compliant manner in enterprise areas of focus● Continues to build and maintain key relationships with the line of business and first line of defensecolleagues● Researches and drafts enterprise wide risk assessments for multiple consumer regulations● Reviews marketing action plans to ensure compliance with Fair Lending laws and the UDAAP regulation prior to implementation ● Develops and maintains relevant policies to ensure alignment with regulatoryrequirements for enterprise areas● Partners with the Enterprise Compliance Manager in executing the Compliance Risk Management Programincluding day to day elements and in leading strategic initiatives● Provides ongoing support to business partners regarding consumer complaints and assists withcompliance related questions on UDAAP and Fair Lending issues

● Possesses strong audit skills with a solid understanding of audit concepts within planning, fieldwork and reporting● Ability to consistently and independently lead reviews● Independently demonstrates ability to prioritize; identifies obstacles within the scope of assignments;proactively initiates appropriate solutions with limited oversight; assists staff with prioritization ofassignments with minimal assistance from manager● Demonstrates delegation skills to most efficiently accomplish objectives.● Strong business and audit writing skills; can cohesively present and organize information; effectivelyarticulates key points; adapts messages to audiences within the scope of assignments● Formally documents findings for management; creates audit reports with management oversight● Demonstrates ability to present information to team, manager and senior management● Appropriately communicates opportunities and recommendations with client● Ability to prepare or deliver a formal presentation or training● Demonstrates ability to build relationships with mid-level leadership● Ability to meet with external auditors to discuss findings and controls● Solid product skills with a strong understanding of business, industry and regulatory concepts withinassigned lines of business; solid knowledge across businesses and functions● Ability to test required SOX testing at interim and refresh● Ability to draw insight from risk intelligence and make valuable recommendations● Competent leadership skills with the ability to guide staff, and give review performance feedback

Participates in all aspects of the audits of client controls and reporting with primary emphasis in theoperational and lending compliance area; review and assess the adequacy of client’s internal controls,policy and procedures and ability to meet regulatory compliance requirements relative to consumer andcommercial lending products and protections● Maintains proficiency in all aspects of applicable regulations, policies and best practices in order to providethe most efficient and constructive service to our clients● Participates in client meetings and executive presentations● Conducts risk assessment of assigned departments or functional areas in accordance with CFPB manualand determines compliance with policies and procedures● Review and assess the adequacy of client’s internal controls, policy and procedures and the company’sability to meet regulatory compliance requirements in the financial/control area● Produce reports that include findings and recommendations for improvement derived from the internalaudits● Maintains a strong understanding of mortgage related federal regulations and acts including, but notlimited to: ECOA, HMDA, FCRA, SCRA, MLA, RESPA, TILA, & E-Sign.● Monitors lending related activities to ensure compliance with established policies and procedures, andstate and/or regulatory requirements.● Establishes workbooks to enable testing for Lines of Business in all areas of regulatory examination fromthe CFPB while serving as a lead on all Compliance related reviews● Supports with the building and execution of periodic detailed risk assessments while conducting scheduledmonitoring and testing, tracking industry compliance updates, creation of compliance relatedcommunication, and acts as a lead for various applicable Compliance Department project implementations

Conducts complex regulatory compliance reviews through process and transaction testing with recognizedstrengths in the following areas: Equal Credit Opportunity Act, Electronic Fund Transfers, Truth in LendingAct, Truth in Savings Act, Privacy of Consumer Financial Information, Real Estate Settlement ProceduresAct, Servicemembers Civil Relief Act● Attends compliance meetings and seminars, takes relevant courses and conducts research to keep up withall applicable regulatory laws of the country’s banking environment and capital markets● Serves as a lead analyst on Compliance Marketing review (Reg Z and DD), Commercial Lending review (RegB), Regency Finance review (Reb B, Z,HMDA, SCRA, MLA and Privacy)● Assists several lines of business in building a compliance mindset to increase overall compliance awarenessby offering support and training also assists with policy and procedure writing● Performs ongoing data integrity validation and correction activities in high-risk areas, documents findingsand reports them to executive management in a timely manner● Documents departmental work-flows and recommends solutions to improve quality and reduce costs;identifies problems, diagnoses cause and determines corrective actions and assists with adding an efficient control as applicable

• Receives checking and savings deposits: verify cash and endorsements, receive proper identification for cash back, and issue receipts of deposit• Answers customer inquiries regarding interest rates, service charges, and account histories while complying with disclosure requirements, regulations and consumer privacy policies• Refers customers to the proper department for issues that cannot be resolved at the teller line• Supports sales reps in opening new accounts and upgrading existing service• Buys and sells currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded as well as balancing drawer daily, including periodic batching of cashed checks• Processes cash advances, redeem U.S. Savings Bonds• Orders all banking supplies• Trains new hire tellers• Processes and balances Automated Teller Machine daily• Follows all bank policies and procedures

Designs all brochures and flyers for local community programsOrganizes various aspects of annual meetingsOrganizes various aspects of scholarship luncheonsMeets with the board for bi-monthly meetings to discuss future endeavorsDesigns and maintained a webpage as well as several social media sitesSupports all aspects of the grant process.