Summary:  The compliance testing/monitoring programs are a critical component of an effective Compliance Management System.  This position is responsible for organizing, planning, and conducting various reviews and/or testing/monitoring any applicable components of the Bank’s regulatory risk inventory.  The position parallels the senior internal auditor position from a second line of defense compliance testing perspective. These reviews include BSA, loan, servicing, and deposit compliance related functions of the Bank.  This team member will measure compliance with laws and regulations by completing testing, assessing internal controls, operations, and reviewing policies and procedures to ensure compliance with federal and state regulations and our corporate compliance program.  A suitable candidate will also have an understanding of advanced audit skills, the structure of an effective risk assessment, and the skills to prepare and deliver a complex written report to executive management.

Primary Duties and Responsibilities include the following.

• Understands and adheres to a comprehensive risk based compliance testing/monitoring program in coordination with the Compliance Risk Testing Director.
• Independently conducts compliance testing/monitoring audits of the company addressing the Bank’s inventory of risks and regulations.
• Collaborates with Compliance Department personnel to assist in designing, executing and documenting transaction test plans for Financial Crimes Risk Management, deposit, lending, and all other compliance requirements.
• Develops compliance audit and review plans to ensure risks identified are adequately addressed by procedures performed.
• Interprets legislation, policy and procedures to conduct comprehensive compliance reviews to ensure submissions are complete, accurate and in compliance with various banking rules and reporting requirements.
• Examines supporting documentation and other information submitted in conjunction with compliance reviews to determine validity of information contained in compliance disclosure report filings.
• Creates and maintains databases and leads data analysis; synthesizes and documents data and business requirements to support the delivery of risk-based compliance reviews and the compliance testing program.
• Prepares written draft and final compliance testing reports for the Chief Compliance Officer, Compliance Risk Testing Director, Origin Bank Board of Directors, and the supervising regulatory authority.
• Identifies red flags or compliance concerns and recommends corrective revisions or remedial actions to correct non-compliance, including escalating unresolved/non-compliant cases to management.
• Monitors Management's corrective actions to ensure risks are mitigated effectively, which includes follow-up audit procedures to evaluate the adequacy of the corrective action taken to improve deficient conditions.
• Assists with regulatory examinations, independent compliance audits, and second line Compliance Testing engagements, which includes the coordination, fulfillment of, and management of all regulatory requests and examinations with bank regulators and internal/external auditors.
• Maintains thorough documentation of all steps taken during the review process.  Thoroughly documents findings by preparing reports in a manner that is clear and comprehensible to Compliance Risk Management Team managers, internal auditors and regulatory examiners.
• Reads, analyzes and interprets financial reports, legal documents, governmental regulations and professional publications.
• Collaborates with Compliance personnel to make independent determinations regarding the Bank’s and Compliance Department’s adherence with regulatory expectations.
• Supports and contributes to the continuous improvement of compliance testing methodologies, framework, approach and related practices.
• Responds to, and analyzes, all inquiries from within the business and operational departments.
• Communicates effectively with peers, front-line and management when requesting information or documentation and addressing concerns or findings.
• Adheres to Bank policy, procedure and regulatory requirements.
• Adheres to all designated time periods, manages workflow to the specified deadlines, and completes responsibilities in a satisfactory manner.
• Maintains a strict level of confidentiality.
• Completes all job-related training in a timely manner and attends seminars or continuing education, as directed.
• Performs any other assignments as directed by Manager.

Supervisory Responsibilities                                                       

Does not directly supervise others.

Competencies

To perform the job successfully, an individual should demonstrate the following competencies:

Analytical and Design - Ability to assess risk; Detail oriented, analytical, and critical thinking skills; Strong problem solving and analytical skills required to succeed in this job; Strong technical troubleshooting skills and ability to  perform simultaneous complex projects.

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Communicates well in group and individual problem solving situations; Uses reason even when dealing with emotional topics.

Interpersonal Skills/Customer Service - Focuses on solving conflict, not blaming or criticizing; Maintains confidentiality; Remains open to others' ideas and tries new things; Manages difficult or emotional customer situations; Responds to requests for service and assistance; Meets commitments.

Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and positively receives clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings; Writes clearly, informatively, and within the required compliance testing framework; Edits work for spelling and grammar; Varies writing style to meet needs; Able to read and interpret written information.

Teamwork - Ability to work in a collaborative environment, as well as independently; Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed.

Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity; Embraces trusted advisor role.

Judgment and Motivation - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions; Demonstrates persistence and overcomes obstacles.

Planning/Organizing - Ability to multi-task and set priorities; Prioritizes and plans work activities; Uses time efficiently; Establishes goals and objectives.

Professionalism - Ability to deal with all levels of personnel in a courteous and effective manner; Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.

Quantity - Ability to work under pressure on multiple tasks concurrently and meet deadlines in a fast-past work environment with interruptions and changing priorities.

Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to provide the best fit to the situation; Able to deal with frequent change, delays, or unexpected events.

Attendance/Punctuality and Dependability - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Takes responsibility for own actions; Commits to long hours of work when necessary to reach goals.

Qualifications

To perform this job successfully, an advanced knowledge and understanding of banking and lending related laws and regulations, based on prior experience, is required.  Incumbent must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience                                                     

High school diploma or general education degree (GED) required; Bachelor’s degree from four-year college or university preferred; minimum five (5) years in banking or equivalent combination of banking and/or banking audit experience.  Prior retail banking and/or lending experience required. A certification such as Certified Regulatory Compliance Manager (“CRCM”), Certified Anti Money Laundering Specialist (“CAMS”), Certified Community Bank Compliance Officer (“CCBCO”), and/or Certified Enterprise Risk Professional (“CERP”) preferred.  Similarly, certificates from the American Bankers Association (“ABA”) such as Lending Compliance Core Concepts, Mortgage Lending Compliance, Deposit Compliance, and/or Compliance Essentials also preferred. Prior experience with case management systems, databases, and similar automation preferred. 

Computer Skills                                                               

To perform this job successfully, an individual should have working knowledge of Microsoft Office Suite, including Outlook, Word, Excel, and Power Point.  Ability to learn bank-specific software such as IBS, AccuSystems, nCino, Encompass or comparable software.  Ability to use basic office machines.

Bank Culture/Customer Service Skills

Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor.  Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.

Physical Demands  

While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear.  The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl.  The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.

Work Environment  

The noise level in the work environment is usually moderate.

This job description reflects management's assignment of essential functions.  It does not prescribe or restrict the tasks that may be assigned.  Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank’s changing needs.  This job description is not a contract and may be adjusted as deemed appropriate in the Bank’s sole discretion. 

Salary

This position requires both individual and collaborative effort and aptitude, as well as the attitude to learn and analyze regulatory requirements to complete testing at a Consumer Financial Protection Board required level. The existing Compliance Risk Testing Specialist position is assigned to a salary grade without geographic differentials, which slightly increases or decreases the range based on the market. Actual base salaries vary based on skills, experience, and geographical location. 

Work Location

The work location is flexible so we can ideally recruit candidates from all of Origin Bank’s principal markets. As such, the position includes the ability to work remotely because it is not customer facing.

Origin Bank is an equal opportunity employer and we do not discriminate in hiring or employment on the basis of race, color, sex, age, marital or veteran status, non-job related disability, religion, national origin, genetic information or any other basis protected by law.

Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas.  Any exception to this policy requires further regulatory review and approval by management.