Fair Lending & Compliance Lead

American Riviera Bank; California; On-site; USD 120,000 - 180,000; Full time

Job summary

American Riviera Bank is seeking a Fair Banking Officer to oversee and administer the bank’s Fair Lending Program, ensuring compliance with federal and state regulations across mortgage, small business, auto lending, and consumer products.

The role involves developing monitoring routines, analyzing potential discrimination, training staff, and reporting program performance to executive leadership and the Board. Strong regulatory knowledge and communication are essential for success.

Qualifications

• Experience in fair lending compliance and related regulations (HMDA, Reg B, FHA, TILA/RESPA)
• Strong analytical and data interpretation abilities
• Excellent written and verbal communication and collaboration

Responsibilities

• Oversee the Fair Lending Policy and Program as the primary bank contact for fair lending matters
• Develop and implement monitoring routines and testing for exceptions across product lines
• Analyze potential discriminatory practices in lending and track trends and risks
• Investigate compliance concerns by reviewing loan files and reporting findings
• Lead fair lending risk assessments and maintain required documentation in governance systems
• Monitor credit risk, pricing, and marketing models for discriminatory patterns
• Provide guidance and training on fair lending practices to bank staff
• Prepare and present reports to Board and senior leadership on program performance and risks
• Assist Compliance Manager and CRA Officer with emerging issues and controls to mitigate risk
• Represent the bank with integrity and professionalism in all dealings

Job description

American Riviera Bank is seeking a Fair Banking Officer to oversee and administer the bank’s Fair Lending Program, ensuring compliance with federal and state regulations across mortgage, small business, auto lending, and consumer products.

The role involves developing monitoring routines, analyzing potential discrimination, training staff, and reporting program performance to executive leadership and the Board. Strong regulatory knowledge and communication are essential for success.