Senior CRA & Fair Lending Officer

Tompkins Bank & Trust; Buffalo (NY); On-site; USD 77,000 - 98,000; Full time

Benefits offered by this job

Medical

Dental

Vision

401(k) Match

Profit Sharing

Paid Time Off

11 Holidays

Tuition Reimbursement

Free Parking

Job summary

Tompkins Bank & Trust in Buffalo, NY seeks a senior compliance professional to lead and support CRA, Fair Lending, HMDA, and related programs.

You will partner across business lines, oversee regulatory reporting and data analysis, and provide guidance and training to strengthen CRA performance and community development.

Responsibilities include preparing for examinations, monitoring risk, and delivering strategic recommendations to executives and boards.

Qualifications

• Bachelor’s degree in a related field or equivalent experience.
• At least five years of experience in compliance, regulatory oversight, risk management, lending, or a related financial services function.
• Knowledge of CRA, HMDA, Fair Lending, and banking regulations.

Responsibilities

• Lead CRA, Fair Lending, HMDA compliance programs and training.
• Oversee regulatory reporting, data governance, and risk assessments.
• Support examinations, examiner communications, and remediation.
• Partner with regulators and business lines to strengthen compliance.
• Develop guidance and strategic recommendations for community development.

Skills

Analytical skills

Communication skills

Regulatory knowledge

Data analysis

Education

Bachelor's degree in regulatory/compliance or related field

Tools

Microsoft Office

Compliance analytics software

Job description

Overview

Responsible for leading and supporting the Bank’s Community Reinvestment Act (CRA), Fair Lending, Home Mortgage Disclosure Act (HMDA), and related compliance programs. Serves as a subject matter expert in regulatory compliance, partnering across business lines to ensure adherence to applicable laws and regulations, monitor and assess risk, support regulatory examinations, oversee reporting and data analysis activities, and provide guidance, training, and strategic recommendations that strengthen the Bank’s CRA and Fair Lending performance. Also provides direct support to the Director of Bank Compliance and serves as a liaison in their absence.

Responsibilities

• CRA and Fair Lending Program Leadership -Lead and enhance the Bank’s CRA, Fair Lending, and HMDA compliance programs to ensure ongoing adherence to regulatory requirements and alignment with organizationalobjectives.
• Regulatory Reporting and Data Governance- Oversee the collection, analysis, validation, and reporting of CRA, HMDA, Section 1071, and related regulatory data to supportaccuratereporting, risk management, and examination readiness.
• Compliance Risk Assessment and Monitoring-Identify, evaluate, and mitigate compliance and fair lending risks through ongoing monitoring, analytics, risk assessments, and corrective action planning.
• Regulatory and Stakeholder Partnership- Foster effective relationships with regulators, business partners, management, and committees to support successful examinations, regulatory communications, and compliance initiatives.
• Education, Advisory, and Community Development Support- Provide training, guidance, and strategic recommendations that strengthen organizational understanding of CRA, Fair Lending, and community development opportunities while supporting responsible growth and outreachobjectives.

Key Responsibilities

CRA and Fair Lending Program Administration

• Maintain expert knowledge of CRA, Fair Lending, HMDA, Section 1071, and related regulatory requirements.
• Lead implementation and ongoing administration of CRA modernization and small business lending regulatory initiatives.
• CoordinateCRApublic file maintenance and oversee documentation supporting community development activities.
• Monitor and recommend enhancements to lending, investment, service, and outreach strategies that support CRA objectives.

Regulatory Reporting, Analytics, and Data Management

• Oversee collection, validation, analysis, and reporting of CRA, HMDA, small business, and small farm lending data.
• Maintain reporting databases and supporting documentation to ensure regulatory reporting accuracy and completeness.
• Utilize analytics tools to perform fair lending and CRA analyses, develop reports, andprovidemeaningful insights to management and regulators.
• Monitor reporting systems and data integrity associated with required regulatory submissions.

Compliance Risk Assessment and Examination Support

• Conduct CRA self-assessments and Fair Lending risk assessments toidentifyand address compliance vulnerabilities.
• Develop recommendations and corrective action plans to mitigateidentifiedrisks.
• Prepare for and support federal andstateregulatory examinations, including document preparation, examiner communications, and remediation activities.
• Monitor compliance trends and emerging regulatory requirementsimpactingthe organization.

Training, Guidance, and Organizational Support

• Serve as a subject matter expert and resource for CRA, Fair Lending, and HMDA-related matters.
• Deliver training and education to management and business-line personnelregardingregulatory requirements and reporting expectations.
• Partner with lending, mortgage, servicing, branch, and other operational teams to promote regulatory compliance andidentifycommunity development opportunities.
• Assistwithdevelopmentof educational materials, seminars, and outreach programs.

Leadership, Governance, and Stakeholder Engagement

• Prepare and support reporting to management, committees, regulatory agencies, and the Board of Directors.
• Serve as a member of the CRA/Fair Lending Committee and other working groups as assigned.
• Keep the Director of Bank Compliance informed of key initiatives, risks, and program developments.
• Act asliaisonfor the Director of Bank Compliance whendesignated.
• Collaborate with Marketing and other stakeholders to support community outreach and documentation efforts.

Qualifications

• Bachelor’s degree in a related fieldrequired, or an equivalent combination of education anddirectly relatedexperience. Specialized training in regulatory compliance, legal administration, risk management, ora relateddiscipline preferred.
• Minimum of five years of progressive experience in compliance, regulatory oversight, risk management, lending, or a closely related financial services functionrequired.
• Demonstrated knowledge of Community Reinvestment Act (CRA), Fair Lending, Home Mortgage Disclosure Act (HMDA), banking regulations, and regulatory compliance practices.
• Experience conducting regulatory research, interpreting laws and regulations,identifyingrisk, and developing practical business recommendations and solutions.
• Strong analytical skills with the ability to collect, manage, and evaluate large volumes of data and translate findings into meaningful conclusions and action plans.
• Proven ability to communicate effectively with employees, senior leadership, executive management, Boards of Directors, regulators, and external stakeholders.
• Proficiencywith Microsoft Office applications and specialized compliance, reporting, and analytics systems.
• Ability to develop and deliver training programs and effectively communicate complex regulatory concepts to diverse audiences.
• Previousexperience in lending, compliance, mortgage, real estate, or related banking functions preferred.
• Experience utilizing CRA and Fair Lending analytics software preferred.
• Professional compliance- or banking-related certifications preferred.

Benefits

• Medical
• Dental
• Vision
• 401(k) Match
• Profit Sharing
• Paid Time Off
• 11 Holidays
• Tuition Reimbursement
• Free Parking throughout Tompkins Community Bank
• Employee Referrals

EEO Statement

Tompkins is committed to a policy of Equal Employment Opportunity ("EEO") with respect to all team members and applicants for employment and a work environment free from discrimination (including unlawful harassment) based on race, color, religion, sex, sexual orientation, transgender status, gender non-conformity, gender identity, gender expression, national origin, age, marital status, domestic violence victim status, disability, predisposing genetic characteristics, military or veteran status or status in any group protected by federal, state, or local law.

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Pay Range

USD $76,500.00 - USD $98,000.00 /Yr.