Senior Risk Compliance Officer - Fair Banking

First Horizon Bank; Memphis (TN); On-site; USD 100,000 - 140,000; Full time

Benefits offered by this job

Medical with wellness incentives

HSA with company match

Maternity and parental leave

Tuition reimbursement

Mentor program

401(k) with 6% match

Job summary

First Horizon Bank in Memphis, TN is seeking a Senior Officer focused on fair banking risk to lead redlining analysis and advisory support for markets.

You will translate complex analytics into actionable improvements, partner with Compliance, CRA teams, Mortgage and frontline staff, and help ensure adherence to federal and state fair lending laws and UDAAP requirements.

Qualifications

• Bachelor’s degree required; advanced degree a plus.
• 5+ years of Banking experience or equivalent combination of education and experience.
• Previous experience in banking compliance, fair lending/fair banking, or related risk/audit functions within a regulated financial institution.
• Demonstrated expertise in redlining analytics, including HMDA data, peer benchmarking, census/demographic analysis, mapping/visualization, and narrative development.
• Proven ability to complete risk assessments, conduct Banking Center/ATM Impact Analysis, and generate high-quality reporting and dashboards.
• 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.
• Strong analytical skills with advanced Excel capability; ability to interpret testing results, complaints, and performance metrics.
• Experience with Wiz SaaS platform preferred; familiarity with SQL, Altair Monarch or data visualization tools (e.g., Tableau/Power BI) is a plus.
• Excellent written and verbal communication skills—able to translate complex regulatory and analytical concepts into clear, actionable guidance for associates and management.
• Organized, proactive, and able to manage multiple priorities with a strong sense of urgency and ownership.

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 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.
• Complete formal risk assessments for assigned regulations.
• 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.
• Maintain thorough documentation that supports transparent, repeatable processes.
• 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.
• Work directly with market leadership, Community Development/CRA teams, Mortgage, and frontline associates to interpret analysis, align action plans, and verify execution outcomes.
• Bring a strong sense of urgency, follow-through, and problem-solving to close gaps and improve client outcomes.

Skills

Redlining analytics

HMDA data analysis

Excel advanced

SQL

Tableau/Power BI

Regulatory knowledge

Communication

Education

Bachelor’s degree

Advanced degree

Tools

SQL

Tableau

Power BI

Wiz SaaS

Altair Monarch

Job description

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.

Location

On site in Memphis, TN

Essential Duties and 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 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.
• Complete formal risk assessments for assigned regulations.
• 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.
• Maintain thorough documentation that supports transparent, repeatable processes.
• 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.
• Work directly with market leadership, Community Development/CRA teams, Mortgage, and frontline associates to interpret analysis, align action plans, and verify execution outcomes.
• Bring a strong sense of urgency, follow-through, and problem-solving to close gaps and improve client outcomes.

Supervisory Responsibilities

No supervisory responsibilities.

Qualifications

• Bachelor’s degree required, advanced degree a plus.
• 5+ years of Banking experience or equivalent combination of education and experience.
• Previous experience in banking compliance, fair lending/fair banking, or related risk/audit functions within a regulated financial institution.
• Demonstrated expertise in redlining analytics, including HMDA data, peer benchmarking, census/demographic analysis, mapping/visualization, and narrative development.
• Proven ability to complete risk assessments, conduct Banking Center/ATM Impact Analysis, and generate high-quality reporting and dashboards.
• 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.
• Strong analytical skills with advanced Excel capability; ability to interpret testing results, complaints, and performance metrics.
• Experience with Wiz SaaS platform preferred; familiarity with SQL, Altair Monarch or data visualization tools (e.g., Tableau/Power BI) is a plus.
• Excellent written and verbal communication skills—able to translate complex regulatory and analytical concepts into clear, actionable guidance for associates and management.
• 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

Follow Us

• Facebook
• X formerly Twitter
• LinkedIn
• Instagram
• YouTube