Compliance and Risk Manager Home Improvement Financing

Thank you for your interest in a career at Regions. At Regions we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results dedicated to quality strength and integrity and possess the drive to succeed then we are your employer of choice.

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At Regions the Business Unit Compliance Function Manager operates as a first second or third line of defense risk management expert that advises on business and/or product decisions. Associates at this level should have full ownership and be a Subject Matter Expert (SME) for one or more large or complex products processes or regulations contributing to process change and redesign in addition to developing business plans policies and procedures to support a particular line of business. This position may manage 1-2 analysts and typically reports directly to the Business Unit Compliance Group Manager the Head of a Division or a specialized Group Manager over a line of business i.e. Credit Products Commercial etc.

Primary Responsibilities

• Directs compliance reviews and provides oversight of legal entities business units and processes
• Advises leadership on key business and/or product decisions
• Provides requested information to regulatory agencies and advises management on potential and ongoing compliance issues
• Maintains expert level knowledge of rules and regulations and their impact on products services and operations for a specific line of business
• Oversees the resolution of complex problems or transactions where expertise is required to interpret against policies guidelines or processes
• Oversees a monitoring and testing program to ensure effective compliance with all applicable laws and regulations
• Manages creation and delivery of training to assigned business area to increase compliance awareness
• May supervise day-to-day work of other professional level compliance associates
• May contribute to workflow or process change and redesign and risk and control identification

This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.

This position is incentive eligible.

Requirements

• Bachelors degree and ten (10) years of experience in compliance quality assurance/control audit or other related compliance function specific to a line of business
• Or High School Diploma or GED and fourteen (14) years of experience in compliance quality assurance/control audit or other related compliance function specific to a line of business

Preferences

• Masters degree
• Certified Regulatory Compliance Manager Certification (CRCM)

Skills and Competencies

• Ability to work independently
• Deadline driven
• Knowledge of legal and regulatory environment as it relates to compliance in a particular line of business
• Organizational skills
• Proficiency in Microsoft Office Suite
• Strong Communication skills
• Time management skills

Additional Job Description

The Compliance and Risk Manager for Home Improvement Financing is responsible for overseeing credit operational and thirdparty risks within the unsecured home improvement lending portfolio. This role evaluates lending performance monitors partner and contractor risk and implements strategies to ensure responsible growth and compliance. The manager will analyze trends identify emerging risks strengthen controls and collaborate with Product Credit Compliance and Vendor Management teams to maintain a healthy scalable thirdparty lending program.

Additional Preferences

• 57 years of experience in consumer lending risk indirect/thirdparty lending or specialty financing programs

• Background in home improvement financing contractor networks or pointofsale lending models

• Experience with thirdparty/vendor oversight including performance monitoring scorecard development and risk assessments

• Advanced analytical capability including experience building dashboards risk models segmentation strategies or earlywarning indicators

• Familiarity with risk frameworks such as ORM RCSA control testing and issue remediation

• Prior credit policy or underwriting strategy experience especially in unsecured lending environments

• Knowledge of contractor acquisition dealer management or channelbased lending programs

• Experience partnering with Compliance Legal and Product teams to implement policy changes resolve findings or support audits

• Strong project management skills including ability to lead risk initiatives process enhancements and crossfunctional improvements

This position is intended to be onsite now or in the near future. Associates will have regular work hours including full days in the office three or more days a week. The manager will set the work schedule for this position including in-office expectations.

Position Type

Compensation Details

Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience skills knowledge contribution job location and most importantly performance in the job role. As these factors vary by individuals pay will also vary among individual associates within the same job.

The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position.

Job Range Target:

Minimum:

Median:

Incentive Pay Plans:

Benefits Information

Regions offers a benefits package that is flexible comprehensive and recognizes that one size does not fit all for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes which is not intended to be a complete summary of plan terms and conditions.

• Paid Vacation/Sick Time

• 401K with Company Match

• Medical Dental and Vision Benefits

• Disability Benefits

• Health Savings Account

• Flexible Spending Account

• Life Insurance

• Parental Leave

• Employee Assistance Program

• Associate Volunteer Program

Please note benefits and plans may be changed amended or terminated with respect to all or any class of associate at any time. To learn more about Regions benefits please click or copy the link below to your browser.

DetailsSalt Lake City UT LOB