Job Information
Citizens Compliance Manager - Fair Lending Analytics in Johnston, Rhode Island
Description
This role supports the Office of Fair and Responsible Banking’s Analytics function by providing data intake an analysis across one or more business units and associated product sets. The Compliance Manager will make use of software tools to develop reporting, conduct data analysis, and monitor both secured and unsecured loan information to create conclusions around the fair treatment of consumers. The candidate will work closely with, and report to, the Fair Lending Analytics Manager. The role has primary responsibility for performing consumer loan comparative file reviews to determine the impact of the bank’s policies and procedures on Fair Banking laws and regulations. This may include identifying gaps, potential discrimination, potential unfair or deceptive practices or enhancements needed. Additional responsibilities include engaging business line and risk stakeholders to collect information relevant to the file review process. The Compliance Manager is responsible for providing timely reporting and escalating identified risks to Compliance management, as necessary.
The duties of this position include but are not limited to:
Performing UDAAP / Fair Lending monitoring and data analysis primarily through interpretation and analysis of loan level data.
Analyzing, trending, and reporting on data related to business line practices to identify fair banking risks
Drafting clear and concise reports of the results of ongoing monitoring and assessment projects and communicating same to Compliance Management.
Demonstrating the ability to exercise good judgment in assessing the significance and relevance of identified fair banking risks and timely escalation to Compliance Management.
Providing updates on the state of the assigned programs.
Staying current of the regulatory environment and expectations through discussions with peers, seminars, webinars, roundtables, law firms, bankers’ associations, etc.
Required Experience:
3+ years of fair banking or other related consumer compliance experience in consumer financial services or a regulatory agency.
Working knowledge of both technical and nuanced aspects of Fair Banking laws and regulations, including but not limited to ECOA/Reg B, UDAAP, FHA, SCRA, FCRA, FDCPA.
Understanding of consumer loan documentation, loan servicing and/or loan operations
Computer proficiency, specifically MS Office (Word, Excel, Access, PowerPoint, etc.). Prior use of Risk Exec is preferred as well.
Must be proactive with the ability to work independently and deliver superior results.
Critical thinking and the ability to "connect the dots" of multiple data points across multiple business units to develop a comprehensive assessment of fair banking risk.
Strong communication skills with an ability to convey complex topics and recommendation (written, verbal and listening).
Team-player who can manage to time sensitive deliverables.
Skills:
Building Relationships Curiosity
Business Data Analysis Customer-Centricity
Commercial Thinking Due Diligence
Compliance Management Monitoring and Evaluation (M&E)
Compliance and Controls Persistence and Tenacity
Critical Thinking Regulatory Environment
Cross-Functional Collaboration Risk Assessment
Education:
Bachelor's degree in relevant field of study or equivalent work experience required
THIS POSITION MAY BE LOCATED IN ONE OF THE FOLLOWING LOCATIONS: JOHNSTON, RI; CONSHOHOCKEN, PA; BOSTON, MA
Hours and Work Schedule: Hybrid - 3 days in-office / 2 remote
Hours per Week: 40
Work Schedule: M-F – 8-5
Pay Transparency:
The salary range for this position is $84,000 - $90,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.
We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.
Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens), provides equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability, or history or record of a disability, ethnicity, gender, gender identity or expression, transgendered and transitioning individuals, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. We perform our best so we can do more for our customers, colleagues, communities and shareholders.
Why Work for Us
At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth
Background Check
Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.
04/04/2025