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About the Role

This position oversees and maintains assigned areas of the compliance program for consumers, monitoring business areas for adherence to laws and regulations, and ensuring effective controls to mitigate compliance risk. The role involves managing the remediation of compliance-identified issues, ensuring regulatory adherence while supporting business areas in implementing corrective actions and procedural changes.

Responsibilities

Serve as a compliance subject matter expert for assigned areas of responsibility.
Assist with compliance risk assessments, analyzing the Bank’s compliance risks and determining if current controls adequately mitigate risk.
Analyze new and changing consumer laws and regulations through the regulatory change management process and disseminate information to applicable business areas for implementation.
Assist with updates to consumer-related compliance policies, procedures, and training material.
Assist the Sr Compliance Officer, Compliance Manager, and Risk Assessment team with the review and challenge of compliance testing programs, controls, and related processes.
Perform research on regulations and provide guidance to business operations on lending compliance requirements.
Maintain and report compliance testing or monitoring results for assigned business units.
Attend meetings to discuss testing and risk assessment results and business to remediation plans.
Review marketing materials for business areas or products, ensuring compliance with regulatory and business standards.
Participate in compliance-related Committees and Advisory meetings as assigned, maintaining minutes or notes as applicable.
Perform independent compliance reviews on specific loan-level accounts through the review and challenge process.
Comply fully with all Bank Compliance policies and procedures, as well as all regulatory requirements.
Assist with regulatory examinations and serve as a liaison with regulators when requested.
Provide guidance on regulations, requirements, and Bank procedures.
Conduct and document reviews and address findings with employees and supervisors.
Draft and maintain employee training for assigned topic areas.
Analyze the Bank’s compliance risk and determine if current processes control risk.
Perform other duties and special projects as assigned.

Requirements

Bachelor's Degree or equivalent.
Minimum 7 years of compliance or regulatory reporting in the consumer lending space.
Minimum 5 years’ combined experience in consumer lending space or retail banking compliance or working in a legal department.
Minimum 3 years’ experience with managing projects or processes.
Advanced knowledge of banking and consumer compliance laws and regulations, as related to deposit and bank operations (e.g., Regulations E, DD, CC, and FDIC Regulations).
Demonstrated experience in Payment Operations including Physical Payments (ATM/Checks/Lockbox) and Electronic & Real Time Payments (Wires/ACH/Credit & Debit Cards/Zelle).
Ability to analyze complex situations and provide guidance, make recommendations, and/or escalate issues.
Ability to operate effectively in a fast-paced environment.
Excellent organizational and analytical skills.
Ability to communicate clearly and professionally with all levels of an organization.
Excellent written and verbal communications skills.
Effective interpersonal skills.
Proficiency in multi-tasking and prioritizing projects.
Excellent time management skills and accustomed to working with deadlines.
Understanding of NACHA rules is helpful.
College degree preferred. Relevant, equivalent work experience may be substituted for degree preference.
Certified Regulatory Compliance Manager (CRCM), Certified Internal Auditor (CIA), and/or Certified Financial Services Auditor (CFSA) designation a plus.

Skills

Compliance
Regulatory Reporting
Consumer Lending
Retail Banking Compliance
Legal Department Operations
Project Management
Risk Assessment
Regulatory Change Management
Policy and Procedure Development
Training Material Development
Compliance Testing
Risk Management
Lending Compliance
Marketing Material Review
Committee Participation
Loan-Level Account Review
Bank Secrecy Act
Community Reinvestment Act
Fair Lending Practices
Code of Conduct
Regulatory Examination Support
Payment Operations
Physical Payments (ATM/Checks/Lockbox)
Electronic & Real Time Payments (Wires/ACH/Credit & Debit Cards/Zelle)
NACHA Rules
Analytical Skills
Communication Skills
Interpersonal Skills
Multi-tasking
Prioritization
Time Management
CRCM
CIA
CFSA

Location

Los Angeles
New York
Charlotte
Phoenix
Delaware

Work Type

Onsite

Experience Level

Minimum 7 years of compliance or regulatory reporting in the consumer lending space
Minimum 5 years’ combined experience in consumer lending space or retail banking compliance or working in a legal department
Minimum 3 years’ experience with managing projects or processes

Education Level

Bachelor's Degree or equivalent
College degree preferred

Salary/Compensations

For locations in (Los Angeles), the salary range is $77,000 - $143,000
For locations in (New York), the salary range is $85,000 - $145,000
For locations (Charlotte, Phoenix, Delaware), the RBC range is $70,000 - $130,000
Exact compensation may vary based on skills, experience, and location.
This job is eligible for bonus and/or commissions.

Benefits

Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
Generous 401(k) company matching contribution
Career Development through Tuition Reimbursement and other internal upskilling and training resources
Valued Time Away benefits including vacation, sick and volunteer time
Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
Career Mobility support from a dedicated recruitment team
Colleague Resource Groups to support networking and community engagement

About the Company

City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today.
City National is a subsidiary of Royal Bank of Canada, one of North America’s leading diversified financial services companies.

Equal Opportunity

City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer.
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.