By delegation of the Board of Directors, the Chief Regulatory Risk Officer has the authority and responsibility for the day-to-day execution and oversight of the Bank's Compliance Management System and Enterprise Risk Management Program. Specific responsibilities include:

• Thorough understanding of applicable banking and consumer laws and regulations. Serve as a compliance expert and advisor to department managers.
• Management and administration of the Bank's Compliance Management Program and team, including the review and management of compliance policies and procedures, performance of risk assessments, creation of monitoring/testing schedules, testing the effectiveness compliance related controls, managing regulatory change projects, and conducting employee training.
• Assisting department managers with a wide variety of regulatory compliance operational matters.
• Serving as a regulatory liaison for compliance regulatory exams and manage other compliance related internal audits.
• Acting as the bank's primary contact for regulatory compliance research, analysis, and interpretation involving a high degree of accuracy in interpreting and communicating regulatory compliance issues with staff, senior management, including Audit Committee and Enterprise Risk Committee.
• Collaborating with other departments to direct compliance concerns to appropriate existing channels for investigation and resolution.
• Consulting with attorneys as needed to resolve respective legal compliance issues.
• Responding to alleged violations of rules, regulations, policies, and procedures by evaluating or recommending the initiation of investigative procedures.
• Overseeing the Risk Improvement Activity system for uniform handling of regulatory or audit findings issued internally or by external sources such as regulators or auditors.
• Reviewing contracts, documents, advertisements, and forms used throughout the bank to ensure they meet regulatory requirements.
• Preparing risk related reporting for the Board and Executive Management, including but not limited to, top risk reports, status updates, and key risk indicator reporting.
• Preparing accurate and complete HMDA and CRA data filings on an annual basis and within regulatory timelines.
• Overseeing and administering the collection and verification of risk related key indicators.
• Assisting in investigation and resolution of consumer complaints.
• Overseeing and administering the Bank's Third-Party Risk Management Program.
• Overseeing and administering the Bank's Model Risk Management Program.
• Overseeing and administering the Bank's Enterprise Risk Management Program.
• Creating the Bank's Environmental, Social, and Governance report for institutional investor use.

ESSENTIAL SKILLS, EDUCATION AND EXPERIENCE

• At least 10 years banking experience with at least 3 years in a risk related field.
• Auditing experience is a plus.
• Excellent written and verbal communication skills
• Detail oriented
• Multi-tasker

WORK CONDITIONS

• This position must be able to sit for long periods of time as the position involves the majority of time spent at a computer.
• This position requires moderate travel.

This description is not intended to be construed as an exhaustive list of all functions, responsibilities, skills and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent an expressed or implied contract of employment, nor does it alter your at-will employment, and the Company reserves the right to change this job description and/or assign tasks for the employee to perform, as the Company may deem appropriate.