Assistant Vice President of Consumer Compliance

The Assistant Vice President of Consumer Compliance (AVP) serves as the organization’s chief architect and steward of its Compliance Management System (CMS), ensuring alignment with the CFPB examination framework, regulatory expectations, and consumer‑risk principles. This role leads enterprise strategies for consumer compliance, risk management, BSA/AML oversight, and RegTech integration.

The AVP applies the CFPB’s risk‑based supervisory approach, ensuring that compliance operations focus on preventing consumer harm, maintaining transparent practices, applying consistent standards across lines of business, and leveraging data analytics for timely detection of risks.

This leader drives innovation through the use of advanced data tools, automation, and AI‑enabled monitoring—positioning the institution to proactively meet emerging regulatory expectations while enhancing organizational resilience.

Key Responsibilities

Regulatory Strategy & Alignment with CFPB Supervision Standards

• Lead the design, enhancement, and governance of the organization’s CMS consistent with CFPB’s Supervision & Examination Manual and its compliance management review expectations.
• Ensure examination readiness by aligning policies, procedures, training, monitoring, and issue‑management processes with CFPB’s prioritized risk areas and consumer‑harm focus.
• Apply CFPB’s risk‑based scoping principles, ensuring reviews concentrate on high‑impact markets, products, or practices with the highest potential consumer risk.
• Integrate RegTech, AI‑driven analytics, and automation to maintain real‑time oversight of consumer‑risk indicators.
• Monitor federal and state regulatory developments and translate emerging expectations into organizational priorities and compliance requirements.

 

CFPB‑Modeled Examination & Review Execution

• Oversee internal compliance examinations using CFPB’s approach: assessing policies, procedures, governance, consumer‑impact risks, operational controls, and CMS maturity.
• Conduct CMS assessments consistent with CFPB’s Part II Examination Procedures, including compliance management review, product‑specific assessments, and risk‑scoping methodologies.
• Ensure that internal reviews emphasize consumer harm identification, fair treatment practices, accurate disclosures, and UDAAP mitigation—core principles in CFPB examinations.
• Produce clear, actionable findings and corrective action plans that mirror CFPB standards for Matters Requiring Attention (MRAs) and issue closure expectations.

 

Data Analytics & Supervisory Insights

• Lead enterprise data initiatives to analyze consumer outcomes, detect patterns of potential harm, monitor product‑level risks, and assess control effectiveness—consistent with CFPB’s supervisory emphasis on data‑driven analysis.
• Develop dashboards that monitor fair lending, complaint trends, operational metrics, and consumer‑harm indicators.
• Ensure that risk models and analytics support CFPB‑aligned priorities: fairness, transparency, and consistent stakeholder treatment.

 

Leadership, Culture & Team Development

• Mentor and develop compliance professionals to build examination‑ready expertise consistent with CFPB’s examiner training expectations and long‑term skill development principles.
• Promote a culture of transparency, ethical behavior, and continuous learning, ensuring staff stay current on regulatory changes and CFPB supervisory priorities.
• Foster analytical thinking, healthy skepticism, and a consumer‑centric mindset across all compliance functions.

 

Stakeholder Engagement & Regulatory Influence

• Serve as the principal advisor to senior leadership and the Board regarding consumer compliance risks, examination readiness, and CFPB regulatory trends.
• Provide clear and concise updates, translating complex regulatory frameworks into actionable business insights.
• Engage cross‑functional teams to ensure alignment across lending, operations, servicing, product development, and customer‑facing functions.

 

Change Management & Operational Excellence

• Lead multi‑department initiatives (e.g., new product development reviews, remediation efforts, compliance technology deployment) to align systems and processes with CFPB expectations.
• Instill discipline in issue management, ensuring timely remediation and sustainable fixes consistent with supervisory expectations.
• Enhance operational workflows to support transparency, scope discipline, and timely follow‑through—principles reinforced