Compliance Analyst II

Navy Federal Credit Union; Pensacola (FL); On-site; USD 65,000 - 90,000; Full time

Job summary

Navy Federal Credit Union is seeking a Compliance Analyst to monitor and interpret local, state, and federal laws impacting collections practices and to ensure policy alignment with regulatory requirements. The role involves research, analysis, and coordination with business units.

This position requires strong knowledge of FDCPA, UDAAP, TILA, FCRA, and related regulations, plus proven ability to communicate findings clearly and manage cross-functional projects.

Qualifications

• Experience analyzing statutes, regulations and case law and applying relevant facts.
• Knowledge of research methods and legal research practices.
• Strong interpersonal communication and persuasion skills.
• Ability to present findings clearly, both orally and in writing.
• Experience leading collaborative work teams.

Responsibilities

• Monitor changes in local, state, federal regulations and agency rules.
• Conduct research and communicate analysis to management and business units.
• Review risk assessments and recommend corrective actions.
• Maintain compliance databases, trackers and resources for the library.
• Lead project teams and ensure deadlines and implementation.

Skills

Compliance analysis

Regulatory research

Legal research tools

Communication skills

Oral & written presentation

Project leadership

Team collaboration

Education

Bachelor's degree in a related field

Tools

Lexis

Westlaw

Job description

Overview

To monitor, research, analyze, and interpret relevant local, state, and federal law and other regulatory authority related to collections practices to ensure Navy Federal policies and practices comply with applicable legal and regulatory requirements in an efficient and professional manner consistent with Navy Federal policy and expectations.

Responsibilities

• Supports business unit partners in formulating and analyzing policies and procedures and other operational materials that comply with local, state, federal and other regulatory authority
• Monitors changes in local, state, and federal regulations, legislation, and agency rulemaking
• Conducts research and analysis of local, state and federal legislation, regulations, case law, agency rules, regulatory and examiner opinions, and trade association publications and communicates analysis recommendations orally and in writing to management and business unit partners on complex positions and courses of action consistent with operations, strategic plan and organizational mission
• Reviews risk assessments, draws conclusions, develops solutions and alternatives, and makes recommendations to management
• Develops and maintains compliance databases, matrices and trackers; and other resources and materials for the compliance library
• Conducts compliance reviews across business units, advises management of findings and recommends corrective actions
• Participates/conducts compliance training sessions with business units
• Functions as a liaison between departments on compliance matters
• Assists Senior Compliance Officers and management in preparing responses to regulators, internal and external audits and management inquiries
• Reviews and assists Compliance partners and business units in preparing responses to regulatory member complaints
• Ensures timely completion of required compliance and other training and tracks own attendance
• Leads effective and collaborative project teams, facilitates/coordinates project work within and across business units, partners with technical project lead as appropriate, ensures project deadlines are met and implementation achieved
• Advises management of potential risk to the enterprise & recommends mitigation strategies
• Reviews, drafts, and approves member facing communication ensuring compliance with applicable local, state and federal laws
• Performs other related duties as assigned

Qualifications

• Compliance or legal analysis experience or demonstrable knowledge in lending and collections including but not limited to the Fair Debt Collections Practices Act (FDCPA), Unfair, Deceptive, Abusive Acts or Practices (UDAAP) standards; Equal Credit Opportunity Act; Truth in Lending Act; Fair Credit Reporting Act; Real Estate Settlement Procedures Act; Telephone Communications Practices Act and applicable local and state collection laws and regulations
• Demonstrated ability to analyze statutes, regulations and case law, determine applicability or exceptions and apply relevant facts
• Knowledge of research methods and practices as demonstrated by successful research, writing and/or educational experience in a relevant subject matter area
• Strong interpersonal communication and persuasion skills
• Ability to digest information and effectively present findings and conclusions clearly and concisely, both orally and in writing
• Proficiency in using research tools (Lexis, Westlaw, etc.) and internet-based technology to conduct legal research
• Experience in leading collaborative work teams
• Effective oral and written presentation skills
• Bachelor's Degree in a related field, or the equivalent combination of education, training, and experience

Desired Qualifications

• Possess the Certified Compliance Officer (NCCO) or Certified Credit Union Compliance Officer (CUCO) designation or the ability to obtain the certification within the first year of employment
• Knowledge and experience in collections, bankruptcy, repossessions, secured property, enforcement of liens, foreclosure or litigation
• Compliance or legal analysis experience from prior employment in federal financial institutions and/or in regulators of federal financial institutions, private law or consulting firms
• Knowledge of current compliance issues in the financial services industry
• Knowledge of federal credit union operations, processes and procedures

Additional Information

Hours:

• Monday - Friday, 8:00AM - 4:30PM

Location:

• 820 Follin Lane, Vienna, VA 22180
• 5510 Heritage Oaks Drive, Pensacola, FL 32526
• 141 Security Drive, Winchester, VA 22602

About Us

Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.

Our approach to careers is simple yet powerful: Make our mission your passion.* FORTUNE 100 Best Companies to Work For 2026* Yello and WayUp Top 100 Internship Programs 2025* Computerworld Best Places to Work in IT 2026* Most Loved Workplace - America's Top Most Loved Workplaces 2025* 2025 PEOPLE Companies That Care* Newsweek Most Trustworthy Companies in America 2026* Military Times 2025 Best for Vets Employers* Forbes 2026 America's Best Large Employers* Forbes 2025 America's Best Employers for New Grads* Forbes 2025 America's Best Employers for Tech Workers* 2025 RippleMatch Campus Forward Award Winner for Overall Excellence* Military.com Top Military Spouse Employers 2025* 2026 Handshake Early Talent Award* Newsweek America's Greatest Workplaces for Culture, Belonging and Community 2026From Fortune Magazine. 2026 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune 100 Best Companies to Work For are registered trademarks of Fortune Media IP Limited and are used under license. Fortune Magazine, Fortune Media (USA) Corporation, and its affiliates are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.

Equal Employment Opportunity

All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.

Accommodations

If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at [e-mail] or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.

Bank Secrecy Act

Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.