Senior Risk Compliance Officer - Fair Banking

First-Horizon-Bank; Memphis (TN); On-site; USD 90,000 - 150,000; Full time

Benefits offered by this job

Medical benefits

Dental & vision coverage

HSA with company match

Maternity leave

Tuition reimbursement

Mentor program

401(k) with match

Job summary

First Horizon Corporation is seeking a Fair Banking Senior Officer to provide subject matter expertise in fair banking risk, focusing on redlining analytics and advisory support to markets. You will work with leaders to ensure regulatory alignment and sustainable growth, translating analytics into actionable improvements.

The role reports to the risk/compliance function, collaborates across Market, CRA, Mortgage, and frontline teams, and requires strong analytical, communication, and ownership

Qualifications

• Bachelor’s degree required; advanced degree a plus.
• 5+ years of Banking experience or equivalent combination of education and experience.
• Experience in banking compliance, fair lending or related risk/audit functions within a regulated financial institution.
• Demonstrated expertise in redlining analytics, including HMDA data, census/demographic analysis, mapping/visualization, and narrative development.
• Proven ability to complete risk assessments, Banking Center/ATM Impact Analysis, and generate high-quality reporting and dashboards.

Responsibilities

• Lead the redlining analytics lifecycle: scoping, peer selection, data quality and validation, statistical and qualitative analysis, and narrative development.
• Analyze HMDA and internal production data to evaluate penetration, market share, banking center/marketing distribution, and outreach in majority-minority census tracts.
• Produce clear, management-ready reports and presentations; recommend and track corrective actions with urgency.
• Serve as a trusted advisor to market and business partners on regulations including Fair Housing Act, Fair Lending, UDAAP, ECOA/Reg B, FDCPA, and State Predatory Lending Laws.
• Complete formal risk assessments for assigned regulations.
• Maintain thorough documentation supporting transparent, repeatable processes.
• Assist management with audit and regulatory exam readiness by delivering complete, accurate data and traceable documentation.
• Collaborate with market leadership and CRA teams to interpret analysis, align action plans, and verify execution outcomes.

Skills

Redlining analytics

HMDA data

Excel

SQL

Data visualization

Regulatory knowledge

Wiz SaaS

Tableau/Power BI

Education

Bachelor's degree

Tools

Wiz SaaS platform

Altair Monarch

Job description

Location:On site in Memphis, TN

Summary

The Fair Banking Senior Officer provides subject matter expertise focused on fair banking risk, with an emphasis on leading redlining analysis and providing advisory support to markets. The role blends compliance and fair banking oversight, ensuring practices protect clients, align with regulatory expectations, and support sustainable growth. The associate partners closely with first-line leaders in the markets, providing guidance on federal and state fair lending/fair banking requirements and UDAAP, and translating complex analytics into actionable improvements.

Essential Duties and Responsibilities

1. Lead the redlining analytics lifecycle: scoping, peer selection, data quality and validation, statistical and qualitative analysis, and narrative development.
2. Analyze HMDA and internal production data to evaluate penetration, market share, banking center/marketing distribution, and outreach in majority-minority census tracts.
3. Produce clear, management-ready reports and presentations; recommend and track corrective actions with urgency.
4. Serve as a trusted advisor to market and business partners on a wide range of regulations, including Fair Housing Act, Fair Lending, UDAAP, ECOA/ Reg B, Fair Debt Collection Practices Act, and State Predatory Lending Laws.
5. Complete formal risk assessments for assigned regulations.
6. Conduct Banking Center/ATM Impact Analysis for openings, closures, relocations, and service changes; assess client access, majority-minority tract impacts, fair banking considerations, and recommend mitigation plans.
7. Maintain thorough documentation that supports transparent, repeatable processes.
8. Assist management with audit and regulatory exam readiness by coordinating and delivering complete, accurate, and timely data, documenting processes and controls, and compiling traceable supporting documentation through closure.
9. Work directly with market leadership, Community Development/CRA teams, Mortgage, and frontline associates to interpret analysis, align action plans, and verify execution outcomes.
10. Bring a strong sense of urgency, follow-through, and problem-solving to close gaps and improve client outcomes.

Supervisory Responsibilities

No supervisory responsibilities.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:

1. Bachelor’s degree required, advanced degree a plus.
2. 5+ years of Banking experience or equivalent combination of education and experience.
3. Previous experience in banking compliance, fair lending/fair banking, or related risk/audit functions within a regulated financial institution.
4. Demonstrated expertise in redlining analytics, including HMDA data, peer benchmarking, census/demographic analysis, mapping/visualization, and narrative development.
5. Proven ability to complete risk assessments, conduct Banking Center/ATM Impact Analysis, and generate high-quality reporting and dashboards.
6. Deep working knowledge of federal and relevant state laws and regulations impacting fair banking and client outcomes, including Fair Housing Act, Fair Lending, Unfair, Deceptive or Abuse Acts & Practices, Equal Credit Opportunity Act (Reg B), Fair Debt Collection Practices Act, and State Predatory Lending Laws.
7. Strong analytical skills with advanced Excel capability; ability to interpret testing results, complaints, and performance metrics.
8. Experience with Wiz SaaS platform preferred; familiarity with SQL, Altair Monarch or data visualization tools (e.g., Tableau/Power BI) is a plus.
9. Excellent written and verbal communication skills—able to translate complex regulatory and analytical concepts into clear, actionable guidance for associates and management.
10. Organized, proactive, and able to manage multiple priorities with a strong sense of urgency and ownership.

About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com.

Benefit Highlights

• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

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