Director Compliance & Risk

Community Choice Credit Union; Johnston (IA); On-site; USD 110,000 - 130,000; Full time

Job summary

Community Choice Credit Union seeks a seasoned Director of Compliance & Risk to lead the enterprise-wide compliance function. You will ensure policies, controls, and disclosures align with laws and internal standards, and serve as a trusted advisor to senior leadership.

You will oversee BSA/AML/CFT, regulatory compliance, risk assessments, and the governance of policy, audit, and incident remediation. Collaboration with Operations, IT, Lending and other lines is essential to translate

Qualifications

• Minimum of 7–10 years in compliance, risk management, or related role within a financial institution.
• Bachelor’s degree in business, finance, risk management, compliance, or related field; advanced degree preferred.
• Professional certifications such as CRCM or CAMS are preferred.

Responsibilities

• Lead enterprise-wide compliance program, ensuring policies, controls, and disclosures meet laws and internal requirements.
• Oversee BSA/AML/CFT, OFAC, and financial crimes compliance including due diligence, monitoring, reporting, and training.
• Provide oversight for audits, regulatory examinations, and remediation; coordinate cross-functional improvements to mitigate risks.

Skills

Compliance

Risk management

BSA/AML/CFT

Audit

Regulatory affairs

Third-party risk

Education

Bachelor's degree

Advanced degree preferred

CRCM/CAMS or similar

Tools

Verafin

Job description

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• Location 6163 Northwest 86th Street,Johnston, IA, 50131,United States
• Base Pay $110,000.00 - $130,000.00 / Year
• Employee Type Exempt
• Required Degree 4 Year Degree
• Manage Others No

The Director, Compliance & Risk, leads Community Choice Credit Union’s enterprise-wide compliance function, ensuring the credit union maintains effective practices to meet applicable legal, regulatory, and internal requirements, and serves as a trusted resource to senior leadership on compliance, regulatory, and related risk matters. This role provides leadership across regulatory compliance, Bank Secrecy Act (BSA)/Anti-Money Laundering (AML)/CFT, regulatory monitoring, compliance risk assessment, policy governance, audit and examination remediation, enterprise risk management, third-party risk, operational risk, business continuity, and emerging areas of risk including artificial intelligence and data protection. The Director partners closely with Operations, Information Technology, Lending, and other business lines to translate regulatory requirements into policies, processes, controls, systems, and employee practices, and oversees findings and corrective actions resulting from internal audits, external audits, regulatory examinations, and other independent reviews.

• Enterprise Compliance Oversight – Lead Community Choice Credit Union's enterprise-wide compliance program, ensuring policies, processes, controls, products, disclosures, and member communications align with applicable laws, regulations, regulatory guidance, and internal requirements. Monitor regulatory developments and oversee compliance risk assessments, testing, reporting, and escalation. Establish effective governance around policies, procedures, ownership, review cycles, version control, and regulatory updates, and work across business lines to translate regulatory requirements into practical and sustainable operational processes and controls.
• BSA/AML/CFT & Regulatory Compliance – Manage the Credit Union's BSA/AML/CFT, OFAC, and financial crimes compliance programs, including Customer Due Diligence, suspicious activity monitoring and reporting, Currency Transaction Reporting, monetary instruments, sanctions, training, risk assessments, and internal controls. Collaborates with business unit leaders to strengthen processes, employee understanding, system controls, data integrity, automation, and reporting, including optimization of existing and new AML/CFT tool capabilities and customer due diligence processes. Oversee identification, analysis, remediation, and documentation of BSA/AML systems, reporting, and process issues, ensuring appropriate compensating controls are established, and significant risks are escalated to senior leadership as warranted.
• Audit, Examination, Remediation & Operational Risk - Serve as a key resource for internal and external audits, regulatory examinations, and other independent reviews, providing oversight of findings, corrective action plans, accountability, timelines, documentation, and sustainable remediation. Work with Operations, Information Technology, Lending, and other business lines to identify root causes, address recurring or systemic issues, and strengthen processes and controls. Provide oversight of operational risks related to wires, ACH, payments, fraud, manual processes, system limitations ensuring applicable regulatory requirements within, but not limited to NACHA and UCC.
• Enterprise Risk, Third-Party Risk & Business Continuity - Develop and maintain a right-sized Enterprise Risk Management framework providing appropriate structure around risk identification, assessment, ownership, risk appetite, key risk indicators, monitoring, and reporting. Identify and assist in mitigating operational, technology, cybersecurity, data, and other enterprise risks across business lines. Oversee a risk-based third-party management framework, including vendor inventories, risk classifications, due diligence, cybersecurity and SOC reviews, contracts, ongoing monitoring, and high-risk vendor reviews. Provide oversight of business continuity and incident response programs, ensuring plans accurately reflect current systems, staffing, vendors, and operational dependencies, and coordinate testing, tabletop exercises, lessons learned, and remediation activities.
• AI Governance & Data Protection - Identify and develop an appropriate governance framework for the responsible use of artificial intelligence and emerging technologies, including policies addressing nonpublic personal information, confidential information, model training, vendor data usage, data retention, employee use, and related risks. Coordinate with Information Technology and Operations to address operational risks (privacy, security, data protection) with AI adoption and implementation. Maintain visibility into AI-enabled tools and applications, conducting risk assessments and applying the Credit Union's third-party risk framework.

Knowledge & Skills:

• Experience – A minimum of 7-10 years of progressive experience in compliance, risk management, BSA/AML, audit, regulatory affairs, or related functions within a financial institution. Demonstrated experience leading or managing a compliance function and interpreting and implementing applicable federal and state regulations. Experience working with regulatory examiners, auditors, legal professionals, and other external stakeholders, as well as managing audit, examination, and regulatory findings through effective remediation.
• Education - Bachelor’s degree in Business, Finance, Risk Management, Compliance, Law, or a related field, or an equivalent combination of education and relevant experience. An advanced degree in a related field is preferred. Professional certifications such as CRCM, CAMS, Certified BSA/AML Professional, or a comparable designation are preferred.
• Interpersonal Skills - Builds trusted, collaborative partnerships across all levels and departments, grounded in professionalism, sound judgment, and integrity. Facilitates cross-functional discussion toward shared solutions and resolves conflict constructively while preserving relationships. Communicates complex regulatory and risk matters clearly to technical and non-technical audiences, in writing and in person. Influences and fosters shared accountability through credibility rather than direct authority, maintaining objectivity and independence. Exercises discretion and protects confidentiality when handling sensitive information.
• Other Skills - Strong knowledge of financial institution regulatory requirements, including BSA/AML/CFT, OFAC, consumer compliance, NCUA regulations, Regulation Z, Regulation E, Regulation DD, TCPA, and related requirements. Strong analytical, critical-thinking, problem-solving, and root-cause analysis skills, with the ability to identify emerging risks, assess potential impact, and develop practical solutions. Strong organizational and project management skills with the ability to manage multiple priorities and deadlines. Proficiency with compliance, risk management, audit, and financial crime technology platforms, experience using Verafin preferred. High level of attention to detail while maintaining the ability to understand and communicate the broader impact of compliance and risk issues.

Why You’ll Love It Here:

UNconventional Culture:

At Community Choice, we UNbank. UNbanking is a personality, an energy, a whatever-it-takes mentality to exceed our members’ expectations. Being a financial institution and a credit union is what we are, not who we are. Our in-office work environment values creativity and collaboration.

Growth Opportunities:

We offer a career path where your hard work will be recognized and rewarded.

Comprehensive Benefits Package:

Competitive pay, health benefits, generous 401K matching program, maternity and parental leave, flexible time off and more.

Work Environment:

We are a group of collaborating individuals, and our jobs are primarily in office; however, we do offer flexibility throughout your workday as needed. You will work with your leader to figure out options that work best for you and your team on the days you may need to get creative with your schedule.

Work Authorization/Sponsorship -

At this time, we're not considering applicants that need any type of immigration sponsorship (additional work authorization or permanent work authorization) now or in the future to work in the United States. This includes, but IS NOT LIMITED TO: F1-OPT, F1-CPT, H-1B, TN, L-1, J-1, etc. For additional information around work authorization needs please use the following links. Nonimmigrant Workers and Green Card for Employment-Based Immigrants

Community Choice Credit Union is an Equal Opportunity Employer -

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.