Nov 02, 2018

Compliance Risk Advisor

  • Tri Counties Bank
  • Roseville, CA, USA
Full time Accounting Banking Customer Service

Job Description

Position Summary:  The Compliance Risk Advisor (“CRA”) is responsible for an ongoing, comprehensive and effective structure of internal controls to mitigate compliance risk in assigned areas of responsibility, and to assure adherence with applicable laws, rules and regulations. A CRA is also responsible to lead, develop and train Bank employees regarding specific internal processes and control responsibilities. The CRA may be assigned to support a particular business group such as Deposits and Lending or other duties as assigned.

Develops procedures related to Quality Control, compliance and risk projects. Assists in developing and implementing control aspects into business unit first line of defense procedures.  Supports business units with their day to day compliance needs under the direct supervision of a higher level compliance professional. 

Major Responsibilities:

  • Assist the Director of Compliance to ensure that the Bank maintains a sound compliance risk management system with active oversight of compliance-related operational risk, adequate policies, procedures, and a strong management information system for measuring risk and risk reporting.
  • Assist the business units in identifying and clearly understanding the types of compliance and operational risks inherent in the Bank’s activities. Assist business in designing compliant processes and methodologies to ensure efficiency.
  • Make appropriate efforts to remain informed about regulatory risks in assigned area of expertise (i.e., Lending, Deposits, Fair Lending/CRA, Vendor Management, DR/BCP, etc.)
  • Review deficiencies noted in compliance related examinations/audits or compliance monitoring activities to determine whether management adequately addresses and remediates identified deficiencies in a timely manner.
  • Assists in the development of compliance risk management reporting methods, systems and an adequate array of reports that provide levels of detail about risk exposures that are relevant to the duties and responsibilities of the compliance risk management function. Systems may include SharePoint, ERM system, or other enterprise business systems, as appropriate to the assigned responsibilities.
  • Maintain a formal process for identifying, reporting and implementing new regulations or changes to existing regulations within specific areas of responsibility. Provide ongoing reports of upcoming changes to the Compliance Officer; report the impact and activities related to implementation. Lead business unit’s efforts to ensure effective implementation of revisions to forms, documents, disclosures, notices, software enhancements, and other change management tasks.
  • Prepares reports for approval of the Compliance Officer.  
  • May attend conferences and other quality control and compliance-related education activities.

Other Responsibilities:

  • Manage special projects and perform other duties as assigned by the Compliance Officer.
  • Maintain a current understanding of stated procedures and policies, including federal and state regulatory compliance requirements.
  • Communicate and advocate a strong awareness of internal controls and the critically of high ethical standards.

Education, Experience, And Other Skills Required:

  • Undergraduate degree or commensurate successful business experience in a compliance/risk management function.
  • One to three years of experience in lending or deposit compliance as applicable to the specific duties, risk management or related field, where critical thinking skills have been successfully employed.
  • Excellent problem solving and verbal and communication skills. Strong written communication skills a must. Project Management skills and experience preferred.
  • Thorough working knowledge of branch operations, lending operations, CRA/HMDA, or areas of operational risk as appropriate for job responsibilities.
  • Proficiency in business deposit and lending systems, and designing compliant and efficient processes using technology.
  • Proficiency in use of personal computers and Windows driven programs such as Outlook, Word, Excel, PowerPoint, SharePoint, etc.

Position Level Distinction:

CRA II: Incumbents will typically have five to seven or years of experience in compliance, quality control, risk management or a related field in a financial services environment, with a record of successful problem solving for business compliance issues. Performs duties under general supervision of the Compliance Officer.  Assists in developing and implementing control aspects into business unit first line of defense procedures.  Independently assesses risk, prepares and delivers reports to the Compliance Officer.  Works with business units on corrective action.  Develops procedures and may assist in delivery of training related to compliance and risk projects.  Supports business with their day to day compliance needs.  May represent the Bank on specific areas of compliance during regulatory examinations.   May attend conferences and participate in community group activities related to compliance.

CRA III: Incumbents will normally possess seven or more years of experience in compliance, risk management or related field.  CRCM (Certified Regulatory Compliance Manager) or equivalent work experience preferred.  Extensive background in consumer compliance regulations and the development and implementation of first line of defense controls, compliance risk management systems.  Works directly with inside and outside Counsel on program development and legal reviews of regulatory matters.  Previous management experience and the ability to supervise or direct the work of junior level compliance professionals.  Provides guidance to junior level compliance professionals on specific regulatory topics.  Acts as a Consultant to the business on all regulatory matters.  Exercises independent judgment on regulatory matters, based on years of experience and success in implementing and supporting a Compliance Management System.  May assist the Compliance Officer in preparation for regulatory examinations.  Represents the Bank at professional groups, conferences and with community groups.  Consults directly with the business on all matters relating to compliance and risk management, and uses leadership skills to influence the business in matters concerning regulatory compliance, corrective action, and assessment of risk. 

Company Profile

Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ:TCBK) headquartered in Chico, California, providing a unique brand of customer Service with Solutions available in traditional stand-alone and in-store bank branches in communities throughout Northern and Central California.

The Bank provides an extensive and competitive breadth of consumer, small business and commercial banking financial services, along with convenient around-the-clock ATM, online and mobile banking access.

Tri Counties Bank has remained strong and profitable through a top-down commitment to its core values, sound business principles and responsible lending practices.

Our success is also based on our involvement in the communities we serve. The personal touch comes naturally to Tri Counties Bankers. You may recognize us at business, school and non-profit events, baseball games and local eateries, skiing in the mountains, boating on the lakes, and fishing the local streams.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information.


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