Compliance Officer

MRISpokane; Spokane (WA); Hybrid; USD 120,000 - 180,000; Full time

Job summary

MRISpokane is seeking a Compliance Officer to lead the bank’s lending compliance program with a focus on federal alphabet regulations impacting consumer and commercial lending activities. You will ensure compliance with consumer protection laws, support a strong compliance culture, and stay exam-ready for FDIC oversight.

Collaboration with the CEO/Board and cross‑functional teams is essential. The role requires 5+ years in banking compliance, BC/finance/legal background, and CRCM or equivalent

Qualifications

• Bachelor’s degree in business, finance, legal studies, or a related field.
• Minimum 5 years of experience in banking compliance with focus on lending compliance.
• CRCM or similar certification preferred (or willingness to obtain within 12 months).
• Excellent analytical and communication skills.
• Proven ability to work independently and collaboratively across departments.

Responsibilities

• Lead the bank’s lending compliance program and CMS.
• Interpret and monitor key federal regulations (Reg B, Reg C, Reg Z, Reg X, Reg O, Reg AA, UDAAP).
• Monitor disclosures, forms and marketing content for regulatory compliance.
• Conduct risk assessments, monitoring and testing of loan origination and servicing.
• Provide regulatory guidance and training to lending and operations teams.
• Support FDIC consumer compliance exams and audits.
• Report compliance findings and trends to executives and the Board.
• Deliver targeted training for lending, credit, and operations staff.
• Maintain documentation of monitoring results and corrective actions.

Skills

Regulatory knowledge

FDIC compliance

Analytical skills

Communication skills

Independent worker

Education

Bachelor's degree in business, finance, legal studies or related field

Job description

Job Title: Compliance Officer
Location: Hybrid/Remote (with in Washington) - Bellevue/Spokane
Reports To: CEO/Board of Directors

Job Summary

The Compliance Officer is responsible for leading the bank’s lending compliance program with a primary focus on federal “alphabet regulations” impacting consumer and commercial lending activities. This position ensures the bank maintains compliance with applicable consumer protection laws, supports a strong compliance culture, and is exam-ready for FDIC oversight.

Key Responsibilities

• Manage and maintain the bank’s compliance management system (CMS) specific to lending operations.

• Interpret, implement, and monitor compliance with key federal regulations including:

  • Regulation B – Equal Credit Opportunity Act

  • Regulation C – Home Mortgage Disclosure Act (if applicable)

  • Regulation Z – Truth in Lending Act

  • Regulation X – RESPA (if applicable)

  • Regulation O – Insider Lending

  • Regulation AA – Unfair or Deceptive Practices

  • UDAAP – Unfair, Deceptive, or Abusive Acts or Practices

• Monitor loan-related disclosures, forms, and marketing content to ensure compliance with applicable regulations.

• Conduct regular risk assessments, monitoring, and testing of loan origination, underwriting, servicing, and documentation practices.

• Stay current on regulatory changes and provide timely guidance and training to lending and operational teams.

• Serve as a compliance advisor during loan product development or changes to underwriting criteria or procedures.

• Prepare for and support FDIC consumer compliance exams and internal/external audits.

• Report key compliance findings and trends to executive management and the Board.

• Deliver targeted training for lending, credit, and operations staff on relevant regulations.

• Maintain documentation of monitoring results, training attendance, and corrective actions.

Qualifications

• Bachelor’s degree in business, finance, legal studies, or a related field.

• Minimum 5 years of experience in banking compliance, with a focus on lending compliance.

• Strong working knowledge of alphabet regulations and FDIC compliance expectations.

• CRCM or similar compliance certification preferred (or willingness to obtain within 12 months).

• Excellent analytical and communication skills.

• Proven ability to work independently and collaboratively across departments.

• Familiarity with compliance monitoring tools or loan origination systems is a plus.

Preferred Experience

• Experience working in a community bank environment.

• Direct involvement in FDIC compliance exams or audits focused on lending activities.

• Knowledge of fair lending analysis and complaint trend monitoring.