Senior Compliance Analyst - Mortgage

Redwood Credit Union; Santa Rosa (CA); On-site; USD 100,604 - 132,552; Full time

Benefits offered by this job

Competitive medical, dental, and vision insurance

401(k) program with employer match

PTO accrual plus 11 paid company holidays

Job summary

Redwood Credit Union is looking for a Senior Compliance Analyst in Santa Rosa, California, to identify risks and perform compliance analysis. The successful candidate will lead compliance activities and support the management team in ensuring adherence to regulatory changes.

This role requires strong analytical skills, leadership experience, and a thorough understanding of compliance regulations in the financial sector. Compensation ranges from $100,604 to $132,552 annually, along with comprehensive benefits.

Qualifications

• Comprehensive knowledge of compliance laws and regulations.
• Ability to oversee work processes and mentor junior team members.
• Strong ability to research and report on complex legal issues.

Responsibilities

• Review and analyze regulatory and legal changes.
• Research regulatory/legal questions for other departments.
• Independently implement legal requirements within the organization.

Skills

Analytical/problem solving

Communication

Organizational skills

Interpersonal skills

Detail orientation

Education

Bachelor’s degree in business, pre-law, or related discipline

Tools

Microsoft Office

Job description

Overview

Redwood Credit Union is seeking a Senior Compliance Analyst who will identify and evaluate risks and controls, perform regulatory compliance analysis and research, identify issues and/or efficiency improvements, and collaborate with management to develop action plans to mitigate risks and correct issues. The role requires independent work with broad discretion, leadership to other Compliance team members, and planning, organizing, and performing Compliance activities and projects.

Responsibilities

• Review and analyze regulatory and legal changes affecting financial institutions to determine applicability and impact to RCU
• Research regulatory/legal questions for other departments as assigned
• Present analysis and findings to RCU management
• Independently work with RCU departments to implement legal requirements and ensure changes to products, services, and processes comply with applicable legal requirements
• Create and manage compliance programs and training programs
• Oversee activities of Compliance Analyst(s) as assigned by Compliance Manager
• Prepare revisions to Credit Union disclosures
• Prepare written reports and analysis for Compliance management
• Assist on projects, exams, audits, and other tasks as assigned
• Provide excellent service to all Members and internal clients
• Manage projects required to implement regulatory and legal changes, including setting project goals, coordinating efforts between multiple departments, and monitoring for effectiveness
• Independently work with RCU departments to identify and mitigate risks to the line of business, including compliance, business continuity, and internal controls

RCU Services Group Compliance

• Research and advise RCUSG Management on Credit Union Service Organization (CUSO) governance requirements
• Review and analyze regulatory and legal changes affecting insurance agencies and vehicle broker/dealers to determine applicability and impact to RCU Services Group
• Present analysis and findings to RCU and RCU Services Group Management
• Independently work with RCU Services Group Management to implement legal requirements and ensure changes to products, services, and processes comply with applicable legal requirements
• Create and manage RCU Services Group compliance programs and training programs
• Prepare revisions to RCU Services Group disclosures
• Prepare written reports and analysis for RCU Services Group Management
• Manage projects required to implement regulatory and legal changes, including setting project goals, coordinating efforts between multiple departments, and monitoring for effectiveness
• Administer RCU Services Group licensing process to ensure all corporate and employee licenses are properly maintained
• Administer annual RCU Services Group reporting
• Establish goals and work plans for RCU Services Group compliance
• Prepare compliance reports as needed for RCU Services Group Board

Audit/Admin

• Collect and prepare information for both internal and external audits
• Act as liaison with external compliance auditors
• Document audit procedures performed or coordinated/supported
• Maintain audit work papers and documentation
• Develop and monitor remediation plans resulting from any deficiencies identified in audits
• Administer compliance testing program and monitors result status
• Complete status reports and maintain records of time usage
• Support RCU governance activities
• Attend training as designated by Compliance Manager

About Redwood Credit Union

At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad. As a not-for-profit financial institution, we are committed to a people-first approach, reflected in how we serve our Members and how we treat our employees. Our leadership fosters a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and financial well-being for all.

Why work for Redwood Credit Union?

• 27th largest credit union in the U.S. and the largest financial institution based in the North Bay
• Recognized by Newsweek as one of "America's Best Credit Unions 2026"
• Awarded a 5-Star Bauer Rating
• Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2025"
• Top Corporate Philanthropists (#24) - San Francisco Business Times
• Voted Best Places to Work in the North Bay 20 years in a row
• World-class Employee Engagement scores
• Rated Superior in Service by more than 90% of Members, surveyed by SF Gate
• Industry leading Net Promoter Scores across the U.S

Minimum Qualifications

• Comprehensive knowledge of laws, regulations, principles, and processes related to financial institutions
• Strong analytical/problem solving, communication, organizational and interpersonal skills
• Insight and judgment to initiate timely and appropriate action
• Meticulous attention to detail
• Thorough knowledge of and ability to use and navigate internet and intranet applications with proficient skill in the operation of a PC and use of Microsoft Office software
• Ability to oversee work processes and provide guidance and mentorship to junior team members
• Ability to communicate complex ideas effectively, both verbally and in writing
• Ability to establish and maintain effective working relationships with diverse groups of people
• Ability to effectively research and report on complex legal issues
• Ability to organize, coordinate and prioritize a variety of activities simultaneously
• Ability to act independently and confidentially, using discretion, and tact
• Ability to distinguish and manage confidential material and information
• Ability and desire to work in a team environment, with ability to perform work independently

Licenses and Certifications

• Compliance Officer Certification (NCCO, CUCE, or equivalent) is required

The ideal candidate has a combination of education and experience equivalent to a bachelor’s degree in business, pre-law, or related discipline, with a minimum of six years’ experience in financial services industry, regulatory compliance, insurance industry, financial institution internal audit, or risk management.

Compensation and Benefits

Base starting range: $100,604 to $132,552 annually commensurate with experience. Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

Benefits

• Competitive medical, dental, and vision insurance, mental health offerings
• Employee performance incentive plan
• Salary Advancement- Merit increase based on performance
• 401(k) program with employer match
• Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off

Discounts and Perks

• RCU employees are eligible for various loan discounts and financing options
• 0% interest loan programs for immigration-related expenses or relocation; loan amounts vary
• 100% financing for employee-purchased homes

Physical Requirements

• Ability to attend off-site conferences which may include travel by car or air
• Ability to stand, bend, stoop, sit, walk, twist, and turn
• Ability to lift up to 15 pounds occasionally
• Ability to use a computer keyboard and calculator
• Work environment is indoors; majority of the time is spent sitting at a desk
• RCU is not offering Visa transfers or sponsorship for this position

Internal Team Members: If you are a current Team Member, please apply through the internal careers page located in RCUNET.

We are an Equal Opportunity Employer

We may use artificial intelligence (AI) tools to support parts of the hiring process. Final hiring decisions are made by humans. If you would like more information about how your data is processed, please contact us at [e-mail].