Senior Compliance Examiner

The Senior Compliance Examiner executes the compliance testing plan by conducting research, reviewing business operations, performing transaction testing, documenting results, and validating remediation to ensure issues are effectively resolved.

This role leads ad hoc testing for new products and initiatives, develops testing plans, evaluates findings, and provides recommendations and progress updates to management. The Senior Compliance Examiner partners closely with business teams, facilitates testing discussions, monitors regulatory changes, and provides oversight and guidance to other examiners.

Essential Functions

• Lead consumer compliance reviews as Lead Examiner and provide guidance to testing team members to ensure adherence to applicable federal and state consumer finance regulations

• Maintain strong awareness of regulatory changes, business initiatives, and change management impacts

• Prepare clear, well-documented workpapers outlining testing procedures, results, and analysis

• Apply independent judgment when evaluating business practices, compliance risks, and recommendations; escalate issues as appropriate

• Identify compliance risks and assess the adequacy of control environments based on testing results

• Provide regular progress updates and reporting to management

• Draft comprehensive and defensible testing reports

• Build and maintain effective working relationships with business partners and stakeholders

• Respond to business inquiries related to compliance requirements and risk interpretation

• Review and analyze policies, procedures, workflows, and first-line monitoring activities

• Research regulatory and operational issues and provide clear, actionable recommendations or escalate as needed

• Develop corrective action recommendations, review management action plans, and validate remediation through issue closure

• Support special projects and other duties as assigned

Required Education and Experience

• Bachelor’s degree in a related field or equivalent experience required; Certified Regulatory Compliance Manager (CRCM) preferred

• 5+ years of experience in financial services compliance supporting consumer indirect or direct lending, including 3+ years in a compliance testing or monitoring environment

• Proven ability to lead end-to-end compliance reviews, including scoping, planning, execution, and reporting

• Experience using automation and technology to improve testing efficiency and validate controls

• Experience assessing first- and second-line control environments

• Strong working knowledge of consumer regulations including TILA, ECOA, FCRA, FDCPA, EFTA, ESIGN, GLBA, MLA, SCRA, TCPA, and UDAAP

• Strong analytical skills with the ability to interpret regulations and apply them to business processes

• Ability to identify trends, emerging risks, and root causes across testing cycles

• Experience developing clear, defensible testing documentation and reports

• Ability to influence stakeholders and communicate findings effectively

• Experience partnering with legal, risk, audit, and operational teams to resolve compliance issues

• Strong organizational skills with the ability to manage multiple priorities and deadlines

• Demonstrated sound judgment, professional skepticism, and attention to detail

• Proficiency in Microsoft Office; Jira/Confluence experience preferred

• Ability to thrive in a fast-paced environment

Physical Demands

While performing the duties of this job, the employee is regularly required to sit, stand, walk, see, talk, hear, and use hands to handle or operate objects, tools, or controls. The employee may occasionally lift, push, or pull up to 20 pounds.

This is an office-based position requiring the ability to sit for extended periods of time and work on a computer for the majority of the workday (approximately 90%).