Regulatory Compliance Analyst (On-Site) - Griffin, Ga

Job Title - Regulatory Compliance Analyst

Job Summary/Key Responsibilities:

Reviews and monitors bank deposit policies and procedures to ensure compliance with State and Federal banking regulations and the bank’s compliance program. Responsible for reviewing various departments and conducting compliance audits to ensure the integrity of the Bank’s internal controls.

General Description/Duties:

• Review Bank forms and disclosures to ensure that they comply with applicable laws and regulations. Notes, reports, and tracks exceptions to compliance and bank policy and procedure.
• Monitor adherence to customer due diligence requirements during account opening process.
• Perform follow up reviews, when necessary, to ensure all recommendations or weaknesses have been addressed.
• Perform periodic reviews for compliance of the following areas of the Bank:
  • Advertising & Marketing
  • Business Banking Services
  • Community Reinvestment Act
  • Regulation CC (Expedited Funds Availability)
  • Regulation E (Electronic Funds Transfers)
  • Trust Services
  • Truth in Savings
  • Unlawful Internet Gambling Enforcement Act (UIGEA)
  • Wires
• Assist in the development of deposit policies and procedures as warranted.
• Review new account files for documentation exceptions in a backup capacity as warranted.
• Ensure enhanced customer due diligence procedures are being followed appropriately.
• Update CIP procedures as warranted to align with bank policy.
• Prepare and present a summary of findings to the Senior Compliance Manager related to compliance audits.
• Analyze account data and make decisions regarding customer accounts.
• Periodically correspond with customers regarding decisions on their accounts.
• Prepare various on-going reports to be sent to senior management on a monthly basis.
• Conduct ID Theft Risk Assessment annually.
• Develop, conduct, and participate in training as warranted.
• Assist with compiling examination request items for examiners.
• Work closely with other departments within the bank to gather information for periodic review.
• Create CIFs for new customers and review the documentation provided by WM.
• Field compliance and operational questions from the various departments and branches.
• Review flood positive loans for proper compliance prior to loan closing.
• Review fraudulent activity to determine if further reporting is required.
• Update and maintain the Bank’s CRA loan application register.
• Serve as backup on BSA related functions, as needed.
• Assist with loan reviews in a back-up capacity as needed.
• Assist with the oversight of the Bank’s compliance change management application.
• Maintain a working knowledge of all bank policies and procedures regarding compliance and internal control.
• Perform other duties as assigned.

Requirements:

• High School Diploma required; College associate degree preferred.
• Fraud certification preferred.
• ACT Specialist certification preferred.
• Ability to demonstrate problem solving skills.
• Ability to deal tactfully with all levels of management and personnel.
• Attention to detail and confidentiality.
• Display high degree of character and ethics.
• Ability to handle more than one task at a time.
• Strong verbal and written communication skills and demonstrated capability to work in a TEAM atmosphere with moderate supervision.
• Represent the Bank in a professional manner.
• Must be a self-starter.
• Must be able to complete certain task within deadlines.
• Proficient knowledge of banking regulations preferred.
• Excellent time management and organizational skills.
• Position will be required to comply with all Federal and State banking laws and related regulations, to include but not limited to the Bank Secrecy Act.
• Proficient using Microsoft Office Suite or other related software.