Vice President, Banking Compliance (HMDA Officer, CRA Officer)

Servbank; Watseka (IL); Remote; USD 180.000 - 250.000; Vollzeit

Zusammenfassung

Servbank is seeking a Vice President of Banking Compliance to lead the Bank's Compliance Management System across deposits, lending, and consumer banking. You will serve as a subject matter expert on HMDA, CRA, and Fair Lending, guiding policy development and regulatory interpretation for executive leadership.

You will partner with risk management, audit, and business lines to ensure strong compliance oversight, regulatory readiness, and a proactive culture.

Qualifikationen

• Extensive knowledge of HMDA, CRA, and Fair Lending with program management experience.
• Experience ensuring compliance across deposit operations, consumer and commercial banking, and lending.
• Strong ability to interpret regulatory requirements and translate them into policies and controls.
• Demonstrated track record partnering with risk management, audit, and executives.
• Strong experience supporting deposit operations, disclosures, and lending compliance.
• Experience interacting with regulators (OCC, FDIC, CFPB or Federal Reserve).
• Professional certification such as CRCM preferred, but not required.

Aufgaben

• Lead second‑line oversight across deposit operations, consumer and commercial banking, and lending activities.
• Ensure adherence to HMDA, CRA, ECOA/Reg B, TILA, RESPA, UDAAP, TISA, EFTA and OCC guidance.
• Review and approve customer disclosures and notices for new and existing products.
• Oversee development and maintenance of compliance policies, procedures, and controls.
• Provide expert regulatory interpretation and guidance to senior leadership.
• Prepare executive reporting on compliance trends and risks for Risk Committee and Board.
• Maintain strong relationships with internal audit, legal, and business partners.

Kenntnisse

HMDA compliance

CRA compliance

Fair Lending

Regulatory compliance

Deposit operations oversight

Lending compliance

Regulatory reporting

Leadership

Executive communication

Risk management

Ausbildung

CRCM certification preferred

Tools

Regulatory systems

Data analytics tools

Jobbeschreibung

Description

The Vice President (VP), Banking Compliance is a senior leadership role responsible for overseeing and enhancing the Bank’s Compliance Management System (CMS) and compliance operations across deposit operations, commercial and consumer banking, and lending activities. This role serves as a subject matter expert in bank regulatory compliance with a strong focus on Deposit and Lending compliance, HMDA, CRA, and Fair Lending, ensuring adherence to applicable federal and state laws and regulations, including OCC supervisory expectations.

The VP will partner closely with business line leadership, risk management, and audit functions to ensure effective compliance oversight and approvals across the full lifecycle of banking products—from account opening and client onboarding to lending and loan lifecycles, including disclosures, customer communications, and regulatory reporting and analysis. The role plays a critical part in managing compliance risk, supporting regulatory expectations, and promoting a strong culture of compliance across the organization.

About Servbank:

Founded in 1994, Servbank is a banking institution with local roots and national reach. We were built on a foundation of community‑orientation, which ensures that no matter who we serve, we do so with the human touch that marks the gold standard of service. We work with individuals, businesses, and communities, so that whether you’re a student, a homeowner, a small business owner, or a community leader, we can help you fulfill your goals. Come create excellence with Servbank.

Duties and Responsibilities

• Lead second‑line oversight of compliance across deposit operations, consumer and commercial banking, and lending activities.
• Ensure adherence to key regulations including HMDA, CRA, ECOA/Reg B (Fair Lending), TILA, RESPA, UDAAP, TISA, EFTA, and applicable OCC guidance.
• Review and approve customer disclosures and notices, including account opening, maintenance, product changes, and fee schedules.
• Oversee development, implementation, and maintenance of compliance policies, procedures, and controls across business lines.
• Provide expert guidance on regulatory interpretation, applicability, and implementation.
• Prepare executive‑level reporting for senior management, Risk Committee, and the Board on compliance trends and risks.
• Maintain strong relationships with internal audit, legal, and business partners.

HMDA, CRA, and Fair Lending Leadership

• The ideal candidate will serve as the Bank’s HMDA and CRA Officer and will lead the Bank’s HMDA and CRA Task Forces.
• Oversee HMDA data integrity, reporting, and governance, including data validation, scrubbing, and annual LAR submissions.
• Lead CRA program oversight, including performance monitoring, assessment area analysis, and regulatory exam readiness.
• Direct Fair Lending program activities, including risk assessments, statistical analysis, and monitoring for disparate treatment or impact.
• Review findings, root cause analysis, and corrective action plans; ensure timely escalation of material issues.
• Partner with internal stakeholders to identify and remediate potential compliance risks.

Deposit Operations and Disclosures Expertise

• Provide oversight of compliance risks related to deposit products, account servicing, and customer disclosures.
• Ensure compliance with regulatory disclosure requirements and customer communications (e.g., Reg DD, Reg E).
• Collaborate with operations and product teams to ensure compliant product design and lifecycle management.
• Provide advisory support on new product development, system implementations, and strategic initiatives.
• Ensure timely incorporation of regulatory changes into policies, procedures, and controls.
• Promote a proactive, risk‑aware culture aligned with the Bank’s compliance and risk appetite.

Requirements

• 5+ years of progressive experience in banking compliance, risk management, or audit.
• Demonstrated expertise in HMDA, CRA, and Fair Lending, including program management and reporting.
• Strong experience supporting deposit operations, disclosures, commercial and consumer lending compliance.
• Experience interacting with regulators (OCC, FDIC, CFPB or Federal Reserve).
• Professional certification such as CRCM (Certified Regulatory Compliance Manager) preferred, but not required.

Technical Knowledge

Deep understanding of:

• Consumer protection regulations (ECOA, TILA, RESPA, UDAAP, Reg DD, Reg E, etc.)
• HMDA data collection, validation, and reporting requirements
• CRA performance standards and evaluation criteria
• Fair Lending analytics and risk assessment methodologies
• Familiarity with compliance systems, data analytics tools, and reporting platforms.

Leadership Skills

• Proven ability to lead cross‑functional initiatives and influence senior stakeholders.
• Strong analytical, problem‑solving, and decision‑making skills.
• Excellent written and verbal communication skills, including executive‑level reporting.

Preferred Attributes

• Experience in a growth‑oriented bank ($1B–$10B range) with evolving regulatory expectations.
• Ability to build and enhance compliance programs in a dynamic environment.

Strong balance of strategic oversight and hands‑on execution.

Work Location Requirement:

This position is designated as remote; however, if you reside within a 50‑mile radius of one of our office locations, the role will be considered in‑office and not eligible for remote work.

EEO Statement:

We’re an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.