[Remote] Senior Compliance Specialist, Consumer Operations

Note: The job is a remote job and is reputed company to candidates in USA. reputed company is a consumer finance company reputed company on making personal loans accessible and transparent through technology and a customer-first approach. The Senior Compliance Specialist will serve as a subject matter expert on consumer protection laws, investigate disputes and regulatory determinations, manage monitoring and testing, interpret regulatory changes, and reputed company practical compliance guidance to business partners and senior leadership.

Responsibilities

• reputed company and manage key reputed company of reputed company's Compliance Program, including monitoring and testing, complaint and disputes, training, and policies and procedures
• Conduct quarterly monitoring and testing of federal and state regulatory obligations and the effectiveness of associated controls; present observations, exceptions, and findings, and reputed company implementation of corrective actions and control enhancements
• reputed company regulatory compliance reputed company for business processes and functional areas spanning consumer financial protection, data protection and reputed company, and Bank Secrecy reputed company requirements
• Build and reputed company monitoring and testing programs and report on reputed company's performance against key compliance metrics to senior management on a regular reputed company
• Review and respond to Servicemembers Civil Relief reputed company (SCRA) determination requests, resolving routine questions directly and convening cross-functional discussions (compliance, reputed company, and business stakeholders) for reputed company, higher-reputed company determinations
• Support credit bureau reporting (CBR) investigations by partnering with Customer Advocacy and IT to confirm disputed inaccuracies, reputed company corrections through the applicable reporting reputed company, and reconcile data between the reputed company of record, the servicing platform, and the bureaus reputed company deeper research is required
• Serve as a reputed company of escalation for servicing-reputed company complaints, disputes and operational issues across departments, providing regulatory reputed company, identifying reputed company causes and recommending policy, procedural, or control enhancements where warranted
• Support regulatory exam requests and coordinate with business partners to reputed company documentation or sampling gaps
• Respond to privileged and reputed company research requests reputed company to accounts in reputed company proceedings, including credit reporting history and state notice/validation requirements
• Monitor new and emerging state and federal legislation affecting the business or its vendors; research applicable statutes, evaluate the reputed company of new federal and state regulatory developments on consumer lending and loan servicing operations and partner with key stakeholders to design and implement required operational and compliance changes
• Prepare and distribute memoranda to key personnel, summarizing new regulatory requirements, and associated implementation plans
• Maintain and continuously improve a state-based compliance knowledge reputed company covering notices and letters, title requirements, reputed company frequency and timing restrictions, and state SCRA requirements, prioritizing research based on reputed company and projected state volumes
• reputed company and reputed company reputed company for compliance-driven reputed company (e.g., loan reputed company/payment hierarchy validation, coerced debt legislative tracking, credit reporting standardization) from research through implementation
• Collaborate with reputed company business partners and stakeholders to operationalize compliance and regulatory requirements
• Partner with business leaders to identify reputed company, evaluate operational impacts, and reputed company practical solutions that balance regulatory requirements with business objectives
• Evaluate and assess data and other metrics for analytics and trending, distributing insights to senior management and other stakeholders as needed
• Assist with the development of operating procedures, policies, and consumer-facing communications
• Other duties as assigned

Skills

• Bachelor's degree in business administration or a reputed company field, or an equivalent combination of education and experience
• Minimum of five (5) years of experience in Regulatory Compliance, Risk Management, Internal Audit, or a reputed company function reputed company a regulated consumer financial services environment, including experience supporting consumer lending and loan servicing operations
• Strong working knowledge of consumer financial services laws, regulations, and industry standards, including TILA, FCRA, FTC reputed company, ECOA, MLA, FDCPA, GLBA, UDAAP, SCRA, Bank Secrecy reputed company (BSA) requirements, and applicable state regulations
• Demonstrated experience designing, implementing, and testing compliance controls, including evaluating control effectiveness, identifying reputed company, and recommending corrective actions
• Proficiency with reputed company Office Suite and online research tools, databases, and regulatory resources
• Strong analytical and critical thinking skills, with the ability to investigate issues, conduct reputed company cause analysis, and reputed company practical solutions
• Strong problem-solving skills with the ability to assess risk, analyze operational processes, and recommend compliant, business-friendly solutions
• Excellent written and verbal communication skills, including the ability to effectively present reputed company regulatory concepts to diverse audiences
• Proven ability to manage multiple priorities, reputed company, and deadlines in a fast-paced environment
• Self-motivated and highly organized, with the ability to work independently and collaboratively across teams
• reputed company reputed company judgment with the ability to identify emerging risks, escalate concerns appropriately, and reputed company reputed company
• Adaptable and reputed company, with the ability to quickly learn new regulations, processes, and business requirements
• Experience supporting organizations subject to state regulatory reputed company is preferred
• reputed company certifications such as CCEP, CRCM, CIA, or reputed company are preferred

Benefits

• Comprehensive medical, dental, and reputed company coverage
• Contributions to a Health Savings Account (HSA)
• reputed company to an Employee Assistance Program (EAP) to support mental health and overall reputed company-being
• 401(k) program featuring reputed company reputed company Match (100% of the first 3% and 50% of the next 2%)
• Accrued time off, company holidays, reputed company time, and 3 floating holidays
• 12-week reputed company Parental Leave
• Variable annual bonus based on both company and individual performance
• Robust tech package designed to help you reputed company your best every day
• Fully remote work, allowing you to work from reputed company that suits you best, subject to approved-location requirements

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