Job Summary

The Senior Compliance Analyst is responsible for developing, implementing and administering all aspects of the Bank's Compliance Management Program. This position plans, organizes, and controls the Bank's day-to-day administrative, lending and operational compliance activities; collaborates with management in the overall administration of these directives for the Bank. Participates in various committees, audits and examinations. Conducts staff training on compliance topics. Advises Management and Bank employees of emerging compliance issues and consults and guides the Bank in the establishment of controls to mitigate risks.
Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.

ESSENTIAL DUTIES
1. Upholds, at all times, the Bank's Core Values of: Integrity, Respect, Positive Attitude, Empowerment, Professionalism, and Excellence.
2. Delivers on the Bank's tagline of Your Best Banking Experience - Ever! by reinforcing the application of superior customer service through own example along with appropriate follow through with involved customers and employees.
3. Develops, implements and administers all aspects of the Bank's Compliance Management Program; performs duties as the Bank's Compliance Committee chairperson; assists independent, state and federal regulator auditor inquiries; reviews and writes compliance related policies and procedures; makes recommendations to the Board of Directors and Senior Management when appropriate; submits annual reports to the Board of Directors detailing compliance issues.
4. Maintains a proficient knowledge of all applicable banking rules and regulations.
5. Performs duties as the Bank Secrecy Act/OFAC Officer; conducts various quality control reviews and monitoring in the area of Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering, OFAC and Customer Identification Program compliance using industry standard and regulatory guidance sampling methods to ensure the Bank's compliance efforts are maintained on a daily basis.
6. Performs duties as the Community Reinvestment Act Officer; establishes, participates and maintains relationships with community based, charitable, and non-profit organizations; develops and implements programs to ensure the Bank meets the needs of the community and attains CRA compliance goals.
7. Performs duties as the Privacy Officer; ensures the safety and security of all customer information; restricts access to customer information only to personnel with a legitimate need for such information, both inside and outside the Bank.
8. Works closely with management; develops strategic plans, reviews reports; organizes plans and makes recommendations for major compliance initiatives involving functional changes within the Bank and budgets.
9. Identifies and mitigates potential risk issues against the Bank; interacts with Bank personnel pertaining to such issues; Verifies the accuracy of APY and APR calculations for system, disclosure and advertising purposes; Maintains a Compliance Library for the Bank; ensures materials are current and available for use and reference.
10. Oversees actions of comprehensive self-testing, independent third party and regulatory audits; makes necessary preparations for such audits or exams; coordinates responses to external auditors and regulatory examiners; ensures deficiencies identified from such audits and examinations are corrected.
11. Develops and administers various forms to assure the use of correct and updated forms by Bank personnel; Ensures compliance with all applicable reporting and recordkeeping requirements; Ensures timely distribution of related materials and publications to designated personnel.
12. Conducts compliance training presentations and exercises with all Bank personnel, including material presented to employees during the new hire orientation process.
13. Consistently applies superior decision making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
14. Assumes responsibility for special projects, gathers data and prepares reports for Senior Management, audits and other personnel.
15. Other duties as assigned.

SUPERVISORY RESPONSIBILITY
The position of Senior Compliance Analyst may be responsible for the supervision other employees.

MENTAL DEMANDS
This position requires the ability to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.

MINIMUM REQUIREMENTS
Bachelor's degree from a 4 year college or university; or 7 years of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of an in-depth background in Bank administration, compliance and supervisory skills. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry.
Advanced knowledge of Bank administration, lending and operations products and services; related state and federal laws and regulations, and other Bank operational policies and procedures.
Intermediate experience, knowledge and training in all operational and lending activities and terminology.
Proven ability to effectively train and instruct others in a formal classroom or one-on-one environment.
Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
Excellent organizational and time management skills.
Advanced skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software programs.
Intermediate typing skills to meet production needs of the position.
Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees.
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
Ability to work with no supervision while performing duties.
Must be able to sit for long periods of time, operate a computer, and telephone.
This position requires writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Management reserves the right to change this position description at any time according to business needs.