Director Enterprise Compliance & Fair Lending (Hybrid)

Work Arrangement:

***After the initial training period this is a hybrid role working onsite in our Wilmington DE or Sioux Falls SD office.***

The Director of Enterprise Compliance & Fair Lending provides second-line oversight of the Banks Fair Lending Program and key components of the Compliance Management System (CMS). The role partners closely with the Deputy and Chief Compliance Officer to ensure the Bank maintains a robust risk-based compliance framework aligned with OCC supervisory expectations and safe and sound banking practices. This position supports strong governance independent risk oversight and integration of compliance risk management within the Banks broader enterprise risk framework. The role is structured as a succession-track leadership position and is expected to develop into a Head of Advisory or Deputy CCO role with potential progression to Chief Compliance Officer.

Essential Functions

1. Provides enterprise-level oversight and continuous enhancement of the Banks Fair Lending Program and Compliance Management System (CMS) ensuring compliance risks are effectively identified measured monitored and controlled in alignment with OCC supervisory expectations.
2. Leads and manages the Fair Lending/Fair Banking Program including annual enterprise risk assessments and oversight of statistical analyses related to pricing underwriting redlining and marketing.
3. Provides credible second-line challenge to business line activities models analytics and control design to ensure fair lending and regulatory compliance risks are appropriately mitigated.
4. Oversees and coordinates OCC fair lending and compliance examinations including exam strategy regulatory interface narrative development and remediation governance for MRAs and related findings.
5. Partners with functional compliance leaders to ensure cohesion consistency and ongoing maturity across CMS components including risk assessment methodology monitoring and testing governance policy standards issue management complaint oversight and regulatory change management.
6. Drives continuous improvement and modernization of the CMS enhancing risk-tiered monitoring quantitative compliance risk indicators documentation standards audit defensibility and governance discipline.
7. Maintains comprehensive command of all compliance-related findings and issue management matters including root cause analysis remediation status risk impact and executive-level narrative positioning.
8. Ensures remediation efforts are sustainable independently validated and defensible under regulatory scrutiny including oversight of MRA/MRIA tracking and closure support.
9. Partners with the CCO in the development and enhancement of executive and Board-level compliance reporting including dashboards metrics and supporting risk analysis.
10. Translates compliance findings and emerging regulatory risks into clear articulation of enterprise risk exposure control effectiveness and strategic impact.
11. Participates in enterprise strategic initiatives (e.g. new products fintech partnerships M&A) providing proactive compliance advisory guidance and credible challenge.
12. Serves as delegate to the CCO when required contributing to long-term compliance strategy bench strength development and evolution of the Banks multi-year compliance roadmap.
13. Performs other duties as assigned.
14. No travel required.

Education/Experience Requirements

• Bachelors degree in finance Risk Management Information Systems Business-related field or an equivalent combination of training and experience.
• 12 years of progressive compliance leadership.
• Direct experience in OCC-regulated institution or equivalent prudential regulator.
• Owned enterprise CMS in institution >$5B.
• Demonstrated Board presentation experience.
• Led at least one complex OCC exam cycle.
• Experience remediating significant MRAs or formal findings.

Preferred Qualifications

• Multi-product or multi-entity oversight experience.
• Advanced degree or compliance certification (CRCM JD etc.).
• Strategic thinker with enterprise risk perspective.
• Credible composed regulator-facing presence.
• Strong written and verbal executive communication.
• Independent yet pragmatic risk manager.
• Capable of stepping into CCO role within 35 years.

This job will be open and accepting applications for a minimum of five days from the date it was posted.

Working at The Bancorp Bank N.A. and Benefits Information: Culture & Background Screening