Compliance Director

Responsibilities

• Manage examination timelines, information requests, and response quality across all examination types
• Maintain and mature the Bank's compliance management system within the three-lines-of-defense framework
• Own the Bank's compliance risk assessment, policy library, and annual compliance testing calendar
• Ensure compliance program coverage across all BHC products, including digital and traditional banking, commercial lending, third-party partner services, bank-servicing, and branch operations
• Coordinate with the designated BSA Officer on BSA/AML program alignment, maintaining clear lanes of ownership between compliance and AML functions
• Lead the Bank's fair lending program, including HMDA, ECOA, and fair lending risk assessment
• Own CRA program administration, including CRA plan, data integrity, and examination readiness
• Manage deposit operations compliance across digital and branch channels, including Regulation E, Regulation DD, bank-servicing, and applicable consumer protection requirements
• Support planned product expansions (collateralized consumer lending, IRA trustee services) with regulatory analysis and compliance build-out
• Provide compliance oversight for C&I and CRE lending activities, including adherence to applicable lending laws and OCC guidance
• Partner with credit and operations teams on compliance requirements for commercial loan origination through servicing
• Maintain compliance metrics, issue tracking, and management reporting in a form appropriate for OCC and Board review
• Navigate regulatory ambiguity with a constructive, solutions-oriented approach - charting a defensible path forward rather than defaulting to prohibition
• Salary range 160,000 - 195,000 USD
• Required
• 5-7 years of bank compliance experience, with meaningful exposure to OCC-supervised institutions
• Demonstrated expertise in consumer compliance: fair lending, CRA, Regulation E, Regulation DD, and related consumer protection requirements
• Direct experience with OCC examinations, including document production, examiner communication, and finding remediation
• Working knowledge of operations compliance in both digital and traditional branch environments
• Strong written communication skills - capable of producing examination responses, Board materials, and regulatory correspondence independently
• Comfortable operating as an individual contributor in a fast-paced, resource-constrained environment
• Demonstrated ability to navigate regulatory ambiguity and develop practical, defensible compliance positions
• Strongly Preferred
• Demonstrated fluency with AI tools in a compliance context - regulatory research, policy drafting, exam preparation, monitoring, or documentation
• Experience with digital banking products and platforms, including high-yield savings, consumer lending, mortgages, lending ratios, or payments
• Familiarity with commercial lending compliance (C&I and/or CRE)
• Experience in a fintech, holding company, or multi-entity regulated structure
• BSA/AML familiarity sufficient to coordinate effectively with a designated BSA Officer
• Experience with IRA trustee services compliance or collateralized consumer lending a plus
• Education
• Bachelor's degree required
• CRCM, CERP, or comparable compliance certification required
• Critically, this person is not a process-follower waiting for a rulebook. Regulatory ambiguity is a daily reality here. We need someone who can reason through an unsettled question, document their analysis, and move the institution forward with a defensible position.
• Finally, this role rewards efficiency. The candidate who thrives here is one who embraces modern tools, including AI, as force multipliers, not as threats to the craft. The ability to produce high-quality compliance work with lean

Additional Information

The Compliance Director is responsible for building and managing the Bank's compliance management system, owning OCC examination preparation and execution, and ensuring the Bank's products, operations, and growth activities remain within regulatory requirements. This individual must be equally comfortable in digital banking and traditional branch environments, capable of navigating regulatory ambiguity without the luxury of large compliance teams, and skilled at leveraging technology, including AI tools, to operate with the efficiency a dynamic, growth-stage institution demands. This is a senior individual contributor role. The successful candidate brings deep compliance expertise, strong independent judgment, and the ability to drive outcomes without organizational infrastructure around them.

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