Associate Compliance Analyst

Live Oak Bank; Wilmington (NC); On-site; USD 57,000 - 93,000; Full time

Job summary

Live Oak Bank in Wilmington, NC is seeking an Associate Compliance Analyst to support Regulatory Relations and Compliance. You will coordinate regulatory examinations, manage complaint processes, maintain regulatory records, and liaise with regulators, Legal, and business units to ensure timely responses.

The role requires 1–3 years in banking/related fields, prior banking experience, and residency in Wilmington, NC. Sponsorship is not available.

Qualifications

• 1–3 years of experience in Banking Operations, Compliance, Regulatory Relations, Risk Management, Audit, Regulatory Affairs, or related field.
• Prior banking or financial services experience.
• Must be located in Wilmington, NC.

Responsibilities

• Coordinate examiner contact lists and examination rosters.
• Facilitate examiner access to applicable bank systems per access management procedures.
• Coordinate regulator facility access, visitor registration, and on-site logistics.
• Assist with scheduling and logistics for regulatory examinations and reviews.
• Draft and coordinate responses to regulatory complaints and maintain records.

Skills

Banking operations

Regulatory relations

Risk management

Audit

Job description

About Us

Live Oak Bank is a digital bank that serves small business owners across the country. Our groundbreaking spin on service and technology has fueled our mission to be America’s Small Business Bank. Our products help customers buy, build, and expand their business, and our high-yield savings and CD products help them grow their hard-earned money. At Live Oak, we never lose sight of the well-being of our people. We believe our employees are the heart of our company. Our commitment to our customers and culture is intertwined, and we seek those who embody and embrace what it takes to empower the American dream.

How This Role Impacts Live Oak and its People

The Associate Compliance Analyst provides operational, administrative, and analytical support to the Regulatory Relations and Compliance functions. This role coordinates regulatory examinations, manages complaint administration and reporting activities, maintains regulatory records, and supports department-wide processes. The position serves as a key coordination point between regulators, business units, Legal, and Compliance to promote timely resolution of requests, concerns, and regulatory matters.

What You’ll Do at Live Oak

Regulatory Relations Support

• Coordinate and maintain examiner contact lists and examination rosters.
• Facilitate examiner access to applicable bank systems and platforms in accordance with established access management procedures.
• Coordinate facility access for regulators, including visitor registration, badge issuance, and access tracking.
• Reserve conference rooms and coordinate on-site examination logistics.
• Assist with scheduling and logistical support related to regulatory examinations and reviews.
• Serve as a point of contact for administrative matters associated with business units.
• Coordinate and track regulatory information requests, including collection, organization, and follow-up of requested documentation.
• Assist in preparation of examination materials, management responses, and post-examination documentation as directed.

Complaint Management and Regulatory Complaint Oversight

• Administer the day-to-day operations of the Bank's complaint management program – intake, review, and maintain records of all customer complaints.
• Ensure proper submission of concerns and coordinate resolution outcomes with applicable business units.
• Coordinate activities related to less complex matters.
• Draft and coordinate responses to regulatory complaints, including those received through agencies such as the FDIC, CFPB, Better Business Bureau, and other oversight organizations.
• Collaborate with Legal and business stakeholders regarding complaint investigations and resolutions.
• Monitor complaint metrics, aging reports, and response timelines.
• Conduct initial trend analysis to identify potential: UDAAP risks, Fair Banking concerns, Fair Lending risks, operational and customer experience issues, emerging regulatory concerns requiring escalation.
• Maintain internal issue-tracking mechanisms for non-regulatory concerns identified through complaint reviews.

Vendor Management and Department Administration

• Process and manage vendor invoices for the Compliance and BSA departments.
• Maintain tracking of departmental budget and expense monitoring.
• Create and manage requisitions and purchase orders.
• Coordinate vendor onboarding activities through approved vendor management systems.
• Support contract renewals and ongoing vendor oversight processes.
• Maintain records associated with vendor relationships and departmental expenditures.

Additional Compliance Support

• Assist with compliance reporting and monitoring activities.
• Supporting compliance examinations, audits, and internal reviews through administrative and documentation-related tasks.
• Monitor regulatory change management feed and assist with initial routing, tracking, and documentation of regulatory developments.
• Other duties as assigned.

Required Experience

• Minimum of 1-3 years of experience in Banking Operations, Compliance, Regulatory Relations, Risk Management, Audit, Regulatory Affairs, or a related field.
• Prior banking or financial services experience.
• Required to be located in Wilmington, NC.
• Work Sponsorship is not supported, now or in the future.

Preferred Experience

• Experience with banking compliance regulations, customer service/complaint management.

Our Values

• Dedication: Possess a deep commitment to Live Oak Bank’s mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.
• Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.
• Respect: Treat everyone with courtesy, politeness, and kindness.
• Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.
• Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more.

For a detailed overview of our employee benefits please visit: http://www.liveoakbank.com/careers/

Live Oak Bank is an Aff… We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at [e-mail]. EEO is the Law

The base pay range for this position is $56,540.00 - $92,520.00 per year. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate’s salary is determined by several factors including travel, relevant work experience or skills and expertise.

We provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.

More than just a job, a career at Live Oak is an opportunity to mold the future of the banking industry. Live Oak Bank would not be the top SBA 7(a) and USDA lender in the country without our people. We focus on hiring folks who are dedicated to living our values, every single day. Together, we’re on a mission to be America’s small business bank. At Live Oak we never lose sight of focusing on the wellbeing of our folks. We believe our employees are the heart of our company and drive our commitment to our customers. As part of the Live Oak team, you’ll have the chance to shape the next chapter of banking while supporting the backbone of our nation – small businesses.