The position is an officer level position whose primary duty is to work with other members of the Compliance department to assist management and the Board of Directors in fulfilling the Bank's regulatory compliance responsibilities and requirements.  This role is responsible for assisting the Director of Compliance with developing, administering, and maintaining the Bank’s Compliance Management Program in order to ensure compliance with all consumer protection laws and federal regulations.

Functional Area of Focus:

Compliance.

Special projects and other duties as assigned.

Essential Duties and Responsibilities - % of Time                                                       

Compliance Process and Practice – 70%

Performs compliance testing reviews on various compliance regulations. Attends applicable regulatory training, seminars, and conferences to maintain regulatory consumer compliance knowledge. Determines effects of consumer protection laws and regulations on Bank policy, procedures, and practices. Performs risk assessments on regulatory changes and new or changed products or services. Implement changes to Bank policy, procedures, and practices to ensure compliance with consumer protection laws and regulations. Inform Bank management and lines of business regarding changes to Federal compliance regulations. Acts as a point of contact during periodic federal and state Compliance examinations.

Risk Management – 15%

Administers and maintains the Compliance Management Program, Compliance Risk Assessment, Compliance Training Program, and Compliance Monitoring and Testing Program. Reviews marketing materials and Bank forms and disclosures to ensure compliance with applicable rules and regulations. Reviews Compliance monitoring reports, Compliance training and reports. Remains current on federal compliance regulations.  Monitors consumer complaints to identify possible weakness and insufficiency of Bank policy and procedures. Monitors results of internal and/or external audits for compliance related issues to ensure timely and accurate responses.

Compliance Training – 15%

Works with the Training department and Lending areas on determining training needs. Assists in training that involves necessary transmission of knowledge regarding regulatory concerns.

Qualifications:

Education and Experience

High School diploma or GED required. Bachelor’s degree strongly preferred.  A combination of experience and education will be considered.  Three to five years of previous bank compliance experience is required; emphasis on lending regulations, particularly Fair Lending laws and regulations preferred.  A demonstrated knowledge of banking laws, including lending regulations, and consumer protection regulations required. Previous experience with RiskExec software and ITI FiServ systems preferred.

Knowledge, Skills, and Abilities

Excellent research and analytical skills are required. Strong communication, organizational, time management, and process management skills are also required. Strong computer skills and demonstrated understanding of systems preferred. Must be able to communicate effectively with people at all levels.  Ability to communicate effectively utilizing all available media channels. Must be able to recognize risk and make appropriate recommendations.

Physical demands:  

Employee may experience the following physical demands for extended periods of time: view computer monitors, keyboarding, sitting, motion of fingers/hands/wrists, and standing/walking; occasional lifting, carrying, pushing, or pulling up to 20 pounds.

Work Environment: 

Work is performed in an operational office environment.

Note:

This job description contains the essential functions, duties, and responsibilities of the position in accordance with the Americans with Disabilities Act (ADA).  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. C&F Bank reserves the right to make future revisions to this job description and the inherent responsibilities of the position based on the needs of the organization.