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At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Get to know us:  About - Gesa Credit Union

 

Role Summary:

Compliance Specialist role requires knowledge of consumer regulatory compliance and is responsible for monitoring and assessing adherence to all local, state, and federal regulations, including those applicable to mortgage loans, consumer loans, commercial lending, deposit products, commercial products, and various digital products and services. This position has autonomy of independent decision making within their areas of responsibility.

 

What You Will Be Doing: Knowledge and expertise in consumer and mortgage lending areas, specifically Regulation C (HMDA), Truth in Lending Act (Regulation Z), Real Estate Settlement Procedures Act (RESPA), Mortgage Servicing, Fair Credit Reporting Act, and Fair Lending regulations (ECOA and Fair Housing Act), SAFE Act, Flood Disaster Protection Act, Fair Debt Collection Practices Act, and Home Owners Protection Act Knowledge of credit union lending processes and procedures which must include experience with origination and servicing in at least one of the following areas: consumer lending, mortgage lending or commercial lending Knowledge of loan origination systems and ability to navigate the credit union’s core processing systems Work with AVP of Compliance to perform extensive and complex validation and targeted reviews of lending HMDA data across consumer and business channels to ensure the data is collected and reported in compliance with the regulatory interpretation Research and assist in the analysis, interpretation, and application of lending regulations and practices as they relate to the credit union Work with AVP of Compliance to perform ongoing reviews of the credit union’s loan products and work with the appropriate departments to analyze loan data for fair lending compliance Recommend policies, procedures, and processes to help ensure activities are conducted in compliance with applicable laws, regulations and rules Assist with review of third-party vendors to perform certain compliance audits following a Request for Proposal (RFP) process to detail the scope and price of the audits and recommend the selection of these vendors to conduct compliance audits/reviews Develop and conduct internal compliance self-assessments and internal reviews to ensure activities are conducted in compliance with applicable laws, regulations, and rules. Communicate the review requirements to appropriate departments, assist in collecting audit material as appropriate, and track all findings and resolutions Assist with performing and completing the credit union’s regulatory risk assessment covering all consumer regulatory related risks, identify the gaps, and provide recommended solutions for the identified gaps. Work with the departmental stakeholders to implement those solutions Perform monitoring of vendor compliance with consumer regulations, deposit disclosure updates and tracking, compliance monitoring, quality control, and other compliance programs and projects as assigned Review the implementation of new products/services or changes to existing product/services for compliance and regulatory requirements and/or for potential issues and implement appropriate compliance validation steps Assist in the review of marketing materials for compliance with applicable state and federal laws prior to their release to the membership, when applicable Assist with periodic reports to AVP of Compliance for reporting to the Board of Directors, Supervisory Committee, and Executive Leadership with regards to compliance matters, when applicable Assist AVP of Compliance with performing compliance due diligence reviews for the vendor onboarding Keep abreast of changes in regulations as appropriate.  Distribute appropriate materials to departments, assess progress on compliance with new regulations, and serve as a subject matter expert to the credit union on compliance related issues Maintain a continuous study of applicable State and Federal laws Advise supervisor of potential impact of new or amended regulations including those that affect mortgage, consumer loans, consumer and commercial accounts, and member privacy regulations Keep supervisor informed of key operating issues affecting areas of responsibility Participate and act as a subject matter expert with various cross-department projects involving change in products and/or new product release Act as compliance resource for the credit union including consumer deposit and loan regulations and mortgage regulations, including research, analysis, interpretation, and providing answers to consumer regulatory issues from all departments. Assist with training as requested Assist in evaluating and resolving member complaints related to regulatory compliance Perform other job-related duties as assigned by AVP of Compliance Perform all duties and maintain all sensitive data with the highest standard of confidentiality and professionalism.  Consistently display respect for all areas of diversity and levels of knowledge Display leadership values such as mutual respect, trust, honesty and dignity, and act in the best interest of the credit union.  Lead by example by displaying solid ethics and integrity at all times Control risk and operate in a safe and sound manner Perform administrative support as necessary for completion of tasks assigned Perform a variety of routine daily tasks; review reports and prepare correspondence; prepare periodic reports on the status of work activities; monitor compliance activities and reports with respect to areas of assigned responsibilities Assist VP of Internal Audit and/or delegate with state and federal compliance audits and examinations as needed

 

About You: Understanding of methodologies for researching and analyzing compliance issues Ability to assess regulatory requirements and assess successful completion of those requirements Ability to develop an expertise in certain regulatory areas, such as mortgage lending, consumer lending, etc. Understand money laundering and fraud scenarios and analyze account activity in light of potential illegal AML activity. Construct thorough and logical written analysis of account activity Excellent interpersonal and teamwork skills.  Excellent listening skills and customer service attributes Proficient in computer applications, reporting, and file/data systems Problem-solving skills, detailed oriented, resourceful, process improvement know-how, and ability to express ideas