Please reference the schedule and minimum qualifications listed below before applying.

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Job Summary

The Vice President of Compliance Risk is the credit unions senior compliance leader responsible for building operating and continuously enhancing an enterprise-wide Compliance Management System (CMS) in accordance with regulatory expectations and best practices. The VP provides strategic oversight of regulatory compliance governance and risk alignment for all business units. This role operates in the second line and is accountable for ensuring compliance with applicable laws and regulations while enabling responsible growth innovation and ethical decision-making across the organization.
Reporting to the CRO the VP of Compliance Risk leads specialized functions including BSA Fair and Responsible Banking (including UDAAP/UDAP) Compliance Training Regulatory Change Management the Silent Whistle Program and Complaint Management and Special Investigations. The role provides independent oversight challenge and advisory support to business units and partners closely with the VP of Enterprise Risk Management (ERM) to align compliance risks with broader risk governance.
As a key voice in shaping compliance risk culture and strategy the VP promotes a proactive risk-aware and business-enabling compliance function. This leader monitors emerging regulatory trends champions the use of technology and data in compliance operations and ensures that governance structures evolve with the pace of regulatory operational and member expectations.

Job Description

To be effective an individual must be able to perform each job duty successfully.

Compliance Leadership and Strategy

• Direct and lead the credit unions enterprise Compliance Management System including policy governance monitoring reporting and advisory activities.
• Lead compliance risk identification assessment mitigation and monitoring across all business lines in alignment with risk appetite and ERM strategy.
• Act as the primary compliance partner to executive leadership business unit leaders and the Board/Audit Committee while maintaining independence and objectivity.
  
  

Program Oversight

• Oversee the BSA/AML/CFT program through direct leadership of the Director of BSA ensuring effective execution of all program components including transaction monitoring SARs OFAC CIP and model oversight.
• Lead the Fair and Responsible Banking program ensuring compliance with federal and state consumer protection laws including UDAAP ECOA HMDA FCRA and Regulation B.
• Direct the Silent Whistle Program and conduct or oversee special investigations into allegations of team member misconduct regulatory breaches ethics violations or significant control breakdowns.
• Oversee the Regulatory Change Management function ensuring timely identification analysis and implementation of new or amended laws and regulations.
• Lead the Compliance Training Program ensuring appropriate content delivery tracking and accountability across all team member levels.
• Manage the enterprise-wise complaint management program including oversight of intake investigation categorization resolution root cause analysis and timely response especially for complaints escalated through regulatory bodies such as the CFPB or state agencies.
  

Governance and Risk Alignment

• Align compliance governance with enterprise risk frameworks and collaborate closely with the VP of ERM to ensure consistent treatment of compliance risks controls and issues.
• Ensure compliance risk input is integrated into enterprise risk assessments strategic planning and product development.
• Provide transparent risk-based reporting to executive management and the Board regarding compliance risk exposure trends and emerging issues.
  

Leadership and Culture

• Develop and lead a high-performing compliance risk team fostering a culture of integrity transparency independence and accountability.
• Promote a strong compliance and ethics culture through visibility influence training and consistent alignment with the credit unions mission vision and values.
• Serve as a change leader driving transformation and elevating the maturity of the compliance function through strategic planning modernized practices and continuous improvement.
• Apply a strategic mindset to anticipate regulatory shifts industry trends and member expectations ensuring the compliance program evolves with the business.
• Champion innovation and operational optimization within the compliance function by leveraging technology data and automation to increase effectiveness efficiency and scalability.
• Act as a collaborative partner across the organization influencing business strategy and product development with a risk-aware member-first focus.

KNOWLEDGE SKILLS and ABILITIES

The requirements listed are representative of the knowledge skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Education and Experience

• Bachelors degree in finance business law or related field; JD or Masters degree preferred.
• Typically requires minimum of 10 years progressive experience in compliance risk legal or audit within a financial institution with at least 3 years in a senior compliance leadership role
• In-depth knowledge of financial services laws and regulations including BSA/AML UDAAP FCRA ECOA and NCUA/CFPB expectations.
• Demonstrated experience building and leading a comprehensive CMS in a regulated environment.
• Experience interfacing with regulators and examiners (e.g. NCUA CFPB FinCEN state agencies).
• Experience leading special investigations silent whistle or ethics hotlines and sensitive internal reviews.
• Familiarity with GRC platforms and regulatory change management technology.

Licenses Certifications Registrations

• Professional certifications such as CRCMP CRCM CAMS or CCEP.

Knowledge and Skills

• Perceived by external peers as a thought leader in compliance and risk management and translates expertise to develop creative strategies to organizational challenges
• Credible challenge and independent judgement. Demonstrated ability to independently assess question and challenge business decisions and risk-taking activities constructively and persuasively while maintaining strong cross functional relationships
• Public speaking skills
• Leadership and talent management skills
• Strategic thinking with attention to regulatory detail
• Budget and/or revenue acumen
• Problem solving skills
• Verbal/written communication skills

Leadership and Organization Development

• Adapts or creates systems to deliver objectives
• Adapts leadership style to the situation
• Uses networks across formal and informal organizations to get things done
• Develops multifunctional leadership across BU
• Coaches other coaches for skill mastery
• Is responsible for orchestration of talent development and movement across the business unit or function
• Leads Work effectively and regularly across functions
• Accountable for team effectiveness across business unit or function

Scope and Strategic Impact

• Responsible for leading a significant sub-function or business process in a function
• May contribute to revenue target attainment
• Directs highly visible initiatives and/or projects with the high level of risk and complexity
• Focuses on the achievement of departmental goals and has a significant contribution to achieving functional goals
• Operates with autonomy on assigned operational matters; is accountable to BU SVP and Sr. Leadership
• Is accountable for delivery of budget
• Participates in development of BU strategic plans
• Recommends solutions to strategic issues of importance to the company
• Envisions and plans projects that are strategic in nature affecting the entire company or several functional areas
• Accountable for executing and empowering the strategy set by the senior leadership and integrating procedures within function and across the organization
• Strategic planning horizon generally 2-3 years

Analytical Thinking and Problem Solving

• Uses vast intuition and experience to complement data
• Evaluates key business and organizational challenges within the function with some assessment of cross-functional impact
• Directs the resolution of complex or unusual business problems
• Problems are ambiguous and complex
• Solutions need to be devised based on some information requiring judgement to apply new solutions and concepts
• Implementation of solutions requires a medium to long term view

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Ability to sit talk and hear consistently

Vision Requirements

Close vision (clear vision at 20 inches or less)

Distance vision (clear vision at 20 feet or more)

Color vision (ability to identify and distinguish colors)

Weight Lifted or Force Exerted

Ability to lift up to 10 pounds frequently and up to 25 pounds occasionally

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment

Moderate noise (business office with computers and printers light traffic)

***This Job is not eligible to be performed in Colorado or Connecticut either remotely or in-person.***

Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.