Credit Compliance Manager - AZ, NV, CO, UT - Hybrid Schedule

Zions Bancorporation is one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

We are currently seeking a Compliance Manager to join the Compliance Risk Management (CRM) department in the second line of defense (2LOD), leading the Credit Compliance team. This position reports directly to the Director of Compliance and requires experience leading a high performing team, collaborating cross-functionally, and presenting key concepts to senior leadership. The ideal candidate will have regulatory credit compliance experience in the financial sector with an enquiring personality that looks to create efficiencies, foster team growth, and can thrive in a diverse and fast-paced environment.

The Compliance Manager will:

·       Lead a team of high performing credit compliance professionals responsible for assessing, understanding, measuring, monitoring, and managing consumer-protection laws, rules, and regulations in a 2LOD capacity. Regulations in scope generally include:

o   Equal Credit Opportunity Act (Regulation B)

o   Home Mortgage Disclosure Act (HMDA)

o   Fair Debt Collection Practices Act (FDCPA)

o   S.A.F.E. Mortgage Licensing Act – Federal Registration of Residential Mortgage Loan Originators (Regulation G)

o   Fair Credit Reporting Act (Regulation V)

o   Flood Disaster Protection Act (FDPA

o   Real Estate Settlement Procedures Act (RESPA)

o   Truth in Lending (Regulation Z)

o   Homeowners Protection Act (HPA)

o   Loans to Executive Officers, Directors and Principal Shareholders of Member Banks (Regulation O)

o   Margin Loans (Regulation U)

o   Military Lending Act (MLA)

o   Anti-Tying (Regulation Y)

o   Protecting Tenants at Foreclosure Act

·       Align and reinforce the requirements of the CRM Oversight Program, which requires compliance oversight of the first line of defense (1LOD) in the form of ongoing monitoring, comprehensive reviews, and targeted reviews. Ongoing monitoring activities generally include:

o   Engagement in risk assessments (e.g., Risk and Control Self-Assessment, General Compliance Risk Assessment).

o   Evaluation of risk and performance metrics such as key risk Indicators (KRIs) and key performance indicators (KPIs).

o   Validation and testing of key controls.

o   Evaluation of third-party supplier risk.

o   Evaluation of recent regulatory changes and industry enforcement actions to identify areas of concern or opportunities for improvement.

o   Monitoring of customer communications (complaints and disclosure/notices).

o   Review of material changes to governance documents (Framework, Policy, Program, Standard, Charter) or significant procedural changes.

o   Validation of relevant implemented Findings.

o   Creation and evaluation of training materials.

o   Engagement in new products and initiative reviews.

o   Provide consultation and advisory services, including ongoing review and challenge.

o   Participate in management and risk committee meetings.

o   Monitor key management and risk reporting (e.g., Internal Audit or regulatory exam results).

o   Review risk acceptance and exception requests.

o   Perform transactional testing, as required.

·       Oversee and act as the point of escalation for credit-related issues or events, which may constitute remediation to a customer or consumer.

·       Engage and maintain healthy relationships with bank executives and senior leaders, other compliance professionals and 1LOD stakeholders and proactively address material compliance risks and deficiencies, as needed.

·       Communicate and prioritize all needs necessary to establish the appropriate resources and expertise across the Credit Compliance team.

Other Responsibilities:

·       Manage and/or participate in Internal Audit reviews and examinations by external bank regulators (OCC, CFPB, etc.).

·       Promote CRM programs, projects and objectives and serves as an expert when executing job duties.

·       Prepare robust management reporting for Compliance and Board of Director Committees.  

·       Provide expertise to the company's projects and initiatives.

·       Other duties as assigned.

Requirements:

• Requires a bachelor’s degree and 8 years of experience with credit related laws, rules and regulation or other directly related experience. A combination of education and experience may meet requirements; Certified Regulatory Compliance Manger Certification (CRCM) helpful.

·       Requires experience leading and assessing a team of high performing compliance professionals.

• Requires strong communication skills and ability to interact with management and executive leadership on matters requiring coordination across organizational lines.
  
  
• Requires an exceptional degree of ingenuity, decision making, initiative and critical thinking skills.
  
  
• Must be able to develop resolutions to complex problems.

Salary Range:

Salary Range is $100,000 to $120,000 depending on location and experience.

Location:

This position can be located in any division within the Zions Bancorporation footprint; preferably Salt Lake City, UT, Phoenix, AZ, Las Vegas, NV, or Denver, CO and is required to work in the office Monday, Wednesday and Thursday with the option to work from home Tuesday and Friday to allow for flexibility (subject to periodic review).

Benefits:

• Medical, Dental and Vision Insurance - START DAY ONE! 
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
• Paid Training, 20 days of Paid Time Off (PTO) and 11 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products
• Employees may, at the company’s discretion, be eligible to receive a cash bonus award

Salary : $100,000 - $120,000