Retail Lending Risk & Compliance Expert

Liberty Bank - CT; Middletown (CT); On-site; USD 70,000 - 100,000; Full time

Job summary

Liberty Bank is seeking a Risk & Compliance Analyst – Retail Lending to support oversight of regulatory risk across the consumer lending lifecycle. You will partner with Lending, Credit, Operations and Audit teams to translate complex rules into practical controls and tests.

The ideal candidate brings strong regulatory knowledge, analytical skills, and experience in consumer lending environments, with the ability to translate regulatory requirements into practical business controls.

Qualifications

• Bachelor’s degree in finance, business, accounting, economics, risk management, or related field.
• 5+ years of experience in risk management, compliance, audit, or lending operations within a banking or financial services environment.
• Experience supporting retail or consumer lending products (personal loans, credit cards, auto loans, mortgages, HELOCs) in high-volume environments.
• Hands-on exposure to compliance testing, monitoring, or quality assurance in lending.
• Exposure to CFPB examination readiness.
• Strong understanding of consumer lending regulations.
• Experience analyzing loan or risk data and identifying trends.
• Strong attention to detail and documentation skills.
• Effective written and verbal communication.
• Ability to explain regulatory concepts to non-technical audiences.
• Strong critical thinking and sound risk judgment.
• Proven ability to manage multiple priorities in a fast-paced environment.
• Proficiency in Microsoft Excel.
• Experience with SQL, BI tools, SAS, or Python is a plus.
• Familiarity with GRC tools (Archer, ServiceNow GRC, Riskonnect) preferred.
• Relevant certifications preferred: CRCM, CRCMP, CAMS (if applicable), Fair Lending or audit-related certifications.

Responsibilities

• Strengthen first line of defense capabilities for Retail Lending Fulfillment, ensuring adherence to internal controls, policies, and regulatory requirements.
• Oversee HMDA governance by ensuring accurate data collection, reporting, and ongoing compliance with regulatory requirements through strong controls, monitoring, and issue remediation.
• Identify emerging risks by managing Key Risk Indicators.
• Monitor and assess operational, compliance, and credit-related risks across underwriting, processing, closing, and post-closing activities.
• Design, document, and maintain key controls, including control testing, issue tracking, and remediation plans.
• Conduct appraisal compliance and risk reviews to ensure adherence to regulatory requirements, internal policies, and valuation standards, identifying deficiencies and driving timely issue remediation.
• Partner with Fulfillment, Compliance, Risk, Legal, and Audit teams to identify gaps and reduce operational risk.
• Support bank-wide initiatives by translating regulatory and policy changes into actionable fulfillment controls.
• Perform quality reviews and trend analysis to identify emerging risks, root causes, and systemic issues.
• Own and maintain risk metrics, dashboards, and reporting for leadership review.
• Coordinate responses to internal audits, regulatory exams, and compliance reviews, including evidence collection and follow-up.
• Ensure consistent process documentation and control alignment as the organization scales and evolves.
• Provide guidance and training to leaders and teammates on risk awareness, control execution, and compliance expectations.

Skills

Regulatory knowledge

Risk management

Compliance

Lending operations

Data analysis

Excel

SQL

BI tools

CFPB readiness

Communication

Documentation

Critical thinking

Multi-tasking

GRC tools

Certifications

Education

Bachelor’s degree in finance, Business, Accounting, Economics, Risk Management

Tools

SQL

BI tools

SAS

Python

Archer

ServiceNow GRC

Riskonnect

Job description

Liberty Bank is seeking a Risk & Compliance Analyst – Retail Lending to support oversight of regulatory risk across the consumer lending lifecycle. You will partner with Lending, Credit, Operations and Audit teams to translate complex rules into practical controls and tests.

The ideal candidate brings strong regulatory knowledge, analytical skills, and experience in consumer lending environments, with the ability to translate regulatory requirements into practical business controls.