Consumer Compliance, BSA/OFAC Officer

2 weeks ago

Coral Gables, United States Amerant Bank Full time

The Consumer Compliance, BSA/OFAC Officer Plans, executes, and manages consumer, Bank Secrecy Act (BSA), and Office of Foreign Assets Control (OFAC) compliance for Amerant Mortgage.  This role will own the policies, procedures, and all aspects of origination and marketing of the lending, BSA, and OFAC compliance program, with a specific focus on Amerant’s growth in mortgage lending as well as operational excellence.  This role will collaborate with our product, operations, and marketing to ensure our services, products, and marketing campaigns comply with applicable Federal and State laws/regulations.

Responsibilities:

Provide day-to-day compliance support to lending product and operational groups focused on marketing, applications, underwriting, and originations.Research, communicate, and test compliance, BSA, & OFAC requirements for new or modified products or services.Build and manage change management programs, including product/system changes and regulatory changes.Oversee and/or conduct ongoing monitoring and testing related to mortgage lending, BSA, & OFAC compliance.Review marketing materials such as prescreen direct mail, social media ads, television ads, radio ads, search engine marketing ads, disclosures, brochures, and forms to ensure compliance with applicable laws and regulations, including Fair Lending and UDAAP concerns.Drive corrective action process, including collaborating across business units to resolve and document issues.Administer compliance, BSA & OFAC training program for all employees, and deliver training to applicable departments as necessary.Maintain existing policies and procedures and draft new policies and procedures as necessaryProvide support for regulatory examinations, external audits, and third-party diligence requestsWork cross-functionally to gain a deeper understanding of other teams' processes and the impact of policy on their businesses.Establish Key Risk Indicator Metrics to track and report Work with Sales and Executive leadership creating a culture of compliance and operational excellence.Ensure all staff is trained and operating within all regulatory and organizational policies and procedures.Minimum Work Experience Requirements:

5 or more years of experience in an equivalent role with residential compliance experience, in regulatory compliance at a bank, mortgage lending company or government agency.

Minimum Education and/or Certifications Requirements:

Bachelor’s degree (required)  or similar degree in related fields (preferred)

Technical and/or Other Essential Knowledge:

  • Highly Organized, Detail Oriented, Process Driven. Proficient with MS Applications.   
  • Mortgage or related banking industry experience is required
  • Strong project-management skills, with a proven ability to coordinate across departments and functions
  • Proven ability to draft procedures and evaluate internal controls
  • Strong work ethic and hands-on approach
  • Ability to address challenging issues while remaining objective and independent
  • Ability to build technical processes and work with Products to provide compliance-related requirements  
  • Demonstrated knowledge and application of consumer protection laws and regulations such as BSA, OFAC, TILA/Regulation Z, ECOA/Regulation B, FCRA, FACTA, FDCPA, SCRA, BSA/AML, EFTA, UDAAP, and GLBA – HMDA a plus
  • Experience conducting compliance monitoring and testing
  • Proven ability to take a project from start to finish
  • Ability to handle several projects at once while staying organized, detail-oriented and diligent
  • Strong communication skills – the ability to articulate verbally and in writing, plans, processes, policies, and issues to stakeholders.Ability to thrive in a fast-paced startup environment
  • Professional certifications such as Certified Regulatory Compliance Manager (CRCM) a plus
  • Ability to manage multiple priorities and meet deadlines.  


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