Description

　　This role supports the Office of Fair and Responsible Banking’s Advisory function by providing subject matter expertise across one or more business units and associated product sets. The Compliance Sr. Manager will make use of reporting, data analysis, and monitoring of this subject matter to inform relevant stakeholders across both first- and second-line teams. The candidate will work closely with, and report to, the Fair Lending Advisory Manager. The role has primary responsibility for performing periodic Fair Banking, UDAAP and Redlining monitoring for assigned business lines and/or products. Functions of this monitoring may include deposit product, loan and marketing reviews, policy & procedure reviews and risk assessments with intent to identify procedural gaps, potential discrimination, potential unfair or deceptive practices and any enhancements that may be needed. Additional responsibilities include engaging business line and risk stakeholders to collect information and provide reporting and trending on new initiatives or changes. The Compliance Sr. Manager is responsible for providing timely reporting and escalating identified risks to Compliance management as necessary.

　　The duties of this position include but are not limited to:

　　Performing UDAAP / Fair Lending monitoring primarily through interpretation and analysis of loan and deposit account data.

　　Analyzing, trending, and reporting on data related to business line practices to identify fair banking risks.

　　Drafting clear and concise reports of the results of ongoing business line and product monitoring and communicating same to Compliance Management.

　　Acting as a Subject Matter Expert and Advisor regarding fair lending and fair banking/UDAAP compliance risks for assigned business lines, particularly redlining risks.

　　Developing relationships with key stakeholders and informing management of significant compliance matters that require their attention or action.

　　Coordinating the execution of core compliance activities related to the development of new products and the risk assessments thereof.

　　Demonstrating the ability to exercise good judgment in assessing the significance and relevance of identified fair banking risks.

　　Staying current of the regulatory environment and expectations through discussions with peers, seminars, webinars, roundtables, law firms, bankers’ associations, etc.

　　Analyzes and evaluates the bank’s CRA / lending performance through the use of software and reporting provided by stakeholder groups to assess redlining risks and make recommendations to the CRA Officer and other stakeholders on areas of improvement.

　　Prepares reports and detailed analysis of redlining watchlist geographies. Recommends changes to and/or enhancements to existing lending activities in applicable working group meeting(s)

　　Required Skills and Experience

　　5+ years of fair banking or other related consumer compliance experience in consumer financial services or a regulatory agency.

　　Working knowledge of both technical and nuanced aspects of Fair Banking laws and regulations with an emphasis on the principles of CRA / Redlining. Other covered regulations will include, but not be limited to ECOA/Reg B, Reg Z, FHA, SCRA, MLA, ADA, FCRA.

　　Thorough knowledge of lending programs, policies, compliance, procedures, and applicable laws and regulations.

　　Computer proficiency, specifically MS Office and compliance analysis software such as Wiz and Relief suites and Risk Exec. Must be proactive with the ability to work independently and deliver superior results.

　　Critical thinking and the ability to "connect the dots" of multiple data points across multiple business units to develop a comprehensive assessment of fair banking risk.

　　Strong communication skills with an ability to convey complex topics and recommendation (written, verbal and listening).

　　Team-player who can manage time sensitive deliverables.

　　Education and Certifications:

　　Bachelor's degree in relevant field of study or equivalent work experience requiredTHIS POSITION MAY BE LOCATED IN ONE OF THE FOLLOWING LOCATIONS: JOHNSTON, RI; FORT WASHINGTON, PA; ISELIN, NJ, WESTWOOD, MA

　　Hours and Work Schedule: Hybrid - 3 days in-office / 2 remote

　　Hours per Week: 40

　　Work Schedule: Monday-Friday

　　Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

　　Equal Employment Opportunity

　　At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

　　Equal Employment and Opportunity Employer

　　Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

　　Why Work for Us

　　At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth