Job Description
The Compliance Director is responsible for building and managing the Bank’s compliance management system, owning OCC examination preparation and execution, and ensuring the Bank’s products, operations, and growth activities remain within regulatory requirements. This individual must be equally comfortable in digital banking and traditional branch environments, capable of navigating regulatory ambiguity without the luxury of large compliance teams, and skilled at leveraging technology, including AI tools, to operate with the efficiency a dynamic, growth-stage institution demands. This is a senior individual contributor role. The successful candidate brings deep compliance expertise, strong independent judgment, and the ability to drive outcomes without organizational infrastructure around them. Responsibilities Manage examination timelines, information requests, and response quality across all examination types Maintain and mature the Bank’s compliance management system within the three-lines-of-defense framework Own the Bank’s compliance risk assessment, policy library, and annual compliance testing calendar Ensure compliance program coverage across all BHC products, including digital and traditional banking, commercial lending, third-party partner services, bank-servicing, and branch operations Coordinate with the designated BSA Officer on BSA/AML program alignment, maintaining clear lanes of ownership between compliance and AML functions Lead the Bank’s fair lending program, including HMDA, ECOA, and fair lending risk assessment Own CRA program administration, including CRA plan, data integrity, and examination readiness Manage deposit operations compliance across digital and branch channels, including Regulation E, Regulation DD, bank-servicing, and applicable consumer protection requirements Support planned product expansions (collateralized consumer lending, IRA trustee services) with regulatory analysis and compliance build-out Provide compliance oversight for
