AVP, Risk Management & Compliance Programs
Descrição do cargo:
Reports to: Head of Enterprise Risk Management and General Counsel
The AVP, Compliance & Risk role is a hands-on working leader of people responsible for supporting the Compliance Management System to meet the objectives of the Compliance and Quality Management departments of the Credit Union and provides leadership, supervises, and directs staff. The AVP, Compliance & Risk provides support to business units for regulatory research, questions, projects and advice and requires an advanced understanding and demonstrated working knowledge of banking products and services, deposit account types and applicable regulations, lending regulatory compliance laws and GSE underwriting/quality assurance guidelines.
This role is also responsible for managing key components of the Enterprise Risk Management program (KRIs, Risk Appetite/Tolerance levels, and Corrective Action Monitoring) and requires foundational knowledge in ERM governance and risk management methodologies.
The AVP, Risk & Compliance position is responsible for shared services operational support and assists the Head of Enterprise Risk Management & General Counsel with various audits, exams, compliance projects, assessments, reports and other special projects and duties as assigned. The scope of the role will include working closely with other departments on business initiatives and support of overall compliance and risk management.
This role is part of the management team and has direct reports.
Responsibilities include, but are not limited to:
- Leads the overall administration of the Credit Union’s Compliance Management System including annual training plans, monitoring schedules and risk assessment.
- Researches, interprets and communicates regulatory compliance requirements and potential impact to affected business units in coordination with Head of Enterprise Risk Management and General Counsel.
- Reports on any suspected violations of law, regulations or non-compliance to Credit Union policy and takes responsibility to ensure resolution.
- Provide analysis and recommendations to management of risks and potential liability associated with compliance matters.
- Provides advice on how to mitigate risk exposure and appropriate controls in alignment with established risk appetites and risk tolerances.
- Conducts risk assessments, identifying, evaluating, and managing risks to minimize operational and compliance risks in support of the Enterprise Risk Management program.
- Supports the development and regular review/monitoring/reporting of results associated with the ERM Framework, e.g. risk appetite, risk tolerance levels, and key risk indicators (KRI’s).
- Researches and responds to policy and procedure interpretation questions from various business units.
- Reviews forms, notices, brochures, web pages, advertisements and disclosures for compliance with laws and regulations.
- Monitors proposed, newly implemented, and changes to existing laws and regulations. Leads and/or participates in communicating applicable regulatory requirements to affected business units.
- Stays up to date with changes in laws, regulations, regulatory guidance and industry best practices to provide accurate and timely advice.
- Supports legal administrative functions regarding legal demands and lawsuits, legal opinions, power of attorney and subpoena validity, in coordination with Head of Enterprise Risk Management and General Counsel.
- Responsible for leading quality control and quality assurance review processes for real estate loans, equity loans, consumer loans, deposit products and file maintenance.
- Analyzes changes in regulatory and secondary market requirements in relation to their impact on loan processing, underwriting and documentation.
Qualifications:
- Minimum of 7-10 years’ experience in regulatory compliance, legal, risk management or other banking control-related functions.
- Must have knowledge and experience related to federal and state consumer financial laws and regulations governing traditional bank products and services, deposit accounts, consumer and real estate loan origination and servicing, including but not limited to, ECOA/Reg B, HMDA, Flood, UDAAP, FCRA, TILA, RESPA, FDCPA, TRID, GSE guidelines, TCPA, Reg CC, Reg E and Privacy laws. Visa and Nacha rules are a plus.
- Understanding of risk management frameworks and best practices, and internal control principles and concepts, such as identifying risk in key processes, compliance with regulatory requirements, monitoring, testing, issue management, risk appetite and related metrics, and reporting.
- Must have ability to identify and consider both the positive and negative implications of a risk and demonstrate ability to think critically and apply a balanced approach to risk assessment as it relates to strategic objectives, opportunities, organizational projects and risk appetite of Credit Union. Must demonstrate propensity for risk management, not simply risk avoidance.
- Ability to act independently and use independent judgment to assess and assist with the design and implementation of control environment changes.
- Understanding of mortgage regulatory laws and GSE Guidelines (Underwriting, Seller’s Guide, QA Programs).
Skills and Experience to be Successful in this Role:
- Excellent critical thinking, analytical and problem-solving
- Strong written and verbal communication and interpersonal skills with the ability to articulate complex problems and solutions through concise, easy to understand and clear messaging.
- Ability to manage multiple people/departments and meet deadlines is necessary.
- The ability to work cross functionally and foster relationships between business lines and with first and third line of defense to create a collaborative environment.
- Must be a self-starter, flexible, innovative and adaptive.
- Highly motivated, strong attention to detail, team oriented, organized.
- Ability to work effectively in a team environment and be recognized as a team player.
- Ability to work on multiple, complex assignments concurrently
- Ability to effectively collaborate with key stakeholders from business units.
This role is considered hybrid, meaning you may be required to work in-office as needed based on business needs. You will learn more about the work setting during the interview process.
The hiring range for this position in Florida is $115,000 to $141,480 annually. The base pay actually offered will take into account internal equity and also may vary depending on the candidate’s geographic region, job-related knowledge, skills, and experience among other factors. Select benefits may be provided as part of the compensation package, such as medical, financial, and/or other benefits. To learn more about our benefits visit: https://jobs.disneycareers.com/benefits
Disclaimer:
The information contained in this job description has been designed to indicate the general nature and level of work performed by cast members within this role. It is not designed to contain or to be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of cast members assigned to this job.
Sobre o Partners Federal Credit Union:
Há mais de 50 anos, o Partners Federal Credit Union oferece a The Partners Difference para os nossos mais de 125.000 integrantes, com os mais altos níveis de serviço, valor, acesso e conveniência. Além disso, um conjunto completo de produtos financeiros que você encontrará nos maiores bancos, incluindo economia, verificação, empréstimos, gestão de patrimônio e o mais recente em acesso inovador à conta. E sempre com uma conexão exclusiva para a The Walt Disney Company que garante um nível de qualidade insuperável em serviços bancários. Os parceiros são, na verdade, funcionários Disney que atendem os funcionários Disney, criando um vínculo e compromisso genuínos com o serviço que nenhuma outra instituição financeira pode igualar. Junte-se e descubra que, no Partners, honramos a associação por toda a vida, porque os integrantes podem confiar em nós em cada etapa do serviço. E, por causa da nossa conexão com a The Walt Disney Company, cada pessoa que trabalha para o Partners também é um funcionário Disney.
Sobre The Walt Disney Company:
A The Walt Disney Company, juntamente com suas subsidiárias e afiliadas, é uma líder diversificada em entretenimento familiar e mídia internacional que inclui três segmentos principais de negócios: Disney Entertainment, ESPN e Disney Experiences. Desde seus primeiros passos como um estúdio de desenho animado na década de 1920 até se tornar o atual nome de destaque na indústria do entretenimento, a Disney orgulhosamente dá continuidade a seu legado de criação de histórias e experiências de padrão internacional para toda a família. As histórias, personagens e experiências da Disney tocam consumidores e visitantes de todas as partes do mundo. Com operações em mais de 40 países, nossos funcionários e colaboradores trabalham juntos para criar experiências de entretenimento adoradas por todos.
Esta vaga é oferecida junto à Walt Disney Parks and Resorts U.S., Inc., que é parte de um segmento de negócios que chamamos de Partners Federal Credit Union.
Walt Disney Parks and Resorts U.S., Inc. é um empregador de oportunidades iguais. Os candidatos serão selecionados para emprego independente de raça, religião, cor, sexo, orientação sexual, gênero, identidade de gênero, expressão de gênero, nacionalidade, ancestralidade, idade, estado civil, status militar ou de veterano, quadro clínico, informações genéticas ou deficiência, ou qualquer outro motivo proibido por lei federal, estadual ou local. A Disney defende um ambiente de negócios em que ideias e decisões de todas as pessoas nos ajudam a crescer, inovar, criar as melhores histórias e ser relevantes em um mundo em constante evolução.
ACOMODAÇÃO PARA PESSOAS COM NECESSIDADES ESPECIAIS PARA CANDIDATURAS A EMPREGO
The Walt Disney Company and its Affiliated Companies are Equal Employment Opportunity employers and welcome all job seekers including individuals with disabilities and veterans with disabilities. If you have a disability and believe you need a reasonable accommodation in order to search for a job opening or apply for a position, visit the Disney candidate disability accommodations FAQs. We will only respond to those requests that are related to the accessibility of the online application system due to a disability.
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O Lake Buena Vista é lar do complexo Disney Springs, com lojas, restaurantes e entretenimento, do Disney's Typhoon Lagoon Water Park, do campo de golfe Disney’s Lake Buena Vista e de vários hotéis resorts localizados na cidade.
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