Sr. Associate, Customer Acceptance & Fraud

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

The Sr. Associate is expected to be a subject matter expert in compliance monitoring and regulatory risk management, accountable for a comprehensive range of assignments related to maintaining strong compliance standards across all Banking business lines. This role will be responsible for monitoring, reporting, investigating, and conducting complex data analysis to identify compliance trends and implement strategic solutions to address Sales Practice, Fair Banking, and UDAAP (Unfair, Deceptive, or Abusive Acts or Practices) requirements. This position is critical in building and maintaining collaborative relationships with the Bank's Second Line of Defense, particularly Corporate Compliance, to ensure operational excellence and regulatory adherence across the enterprise.

About This Role:

 

DUTIES AND ACCOUNTABILITIES:

Regulatory Compliance Monitoring & Reporting: Monitor compliance performance across all Banking business lines for Sales Practice, Fair Banking, and UDAAP requirements. Develop comprehensive reporting frameworks to track compliance metrics and present findings to management and stakeholders.

Complex Data Analysis & Trend Identification: Conduct sophisticated data analysis to identify emerging compliance trends, potential regulatory risks, and areas of concern. Utilize analytical tools to assess compliance performance and recommend strategic adjustments to policies, procedures, and controls.

Investigation Management: Lead investigations into potential compliance violations, coordinating with internal stakeholders and documenting findings. Recommend corrective actions and monitor implementation to ensure effective resolution.

Second Line of Defense Collaboration: Build and maintain strong working relationships with Corporate Compliance and other Second Line risk functions. Serve as primary liaison for compliance-related matters and coordinate joint initiatives to strengthen the control environment.

Regulatory Change Management: Stay current on regulatory developments, industry guidance, and supervisory expectations. Assess the impact of regulatory changes on Banking First Line operations and recommend necessary policy or procedural updates.

Strategic Implementation: Partner with business units to implement compliance strategies and enhancements. Ensure new processes and controls are effectively integrated into existing frameworks while maintaining operational efficiency.

Risk Assessment & Control Testing: Identify, assess, and document key compliance risks. Conduct independent testing of controls and recommend improvements to strengthen the compliance management framework.

Stakeholder Communication: Provide clear and concise communication to various audiences, including senior leadership, regarding compliance performance, emerging risks, and recommended actions.

Process Optimization: Continuously evaluate compliance processes for effectiveness and efficiency opportunities. Recommend and implement improvements to enhance compliance monitoring and reporting capabilities.

Special Projects & Audit Support: Lead and support special compliance and risk projects as assigned. Provide subject matter expertise during regulatory examinations and internal audits, including analysis of findings and development of remediation plans.

The Ideal Candidate for This Role:

 

BASIC QUALIFICATIONS:

• Bachelor's degree or equivalent experience
• 3-5 years of compliance or risk experience within banking or financial services, with demonstrated expertise in compliance and investigations
• Strong analytical skills with proven ability to conduct complex data analysis and translate findings into actionable business insights
• Demonstrated experience in regulatory compliance monitoring, reporting, and investigation processes
• Excellent project management skills with ability to manage multiple priorities