CBB Compliance Risk Consultant - Mortgage & Consumer Lending

at  US Bank National Association

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

JOB DESCRIPTION

Partners with their assigned Line of Business, other Risk/Compliance/Audit (RCA) professionals, and RCA Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework. Participates in projects and/or activities that ensure compliance with applicable federal, state, and local laws and regulations. Identifies gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors. Identifies, responds and/or escalates risks as appropriate. Serves as a functional liaison between the Line of Business and the Lines of Defense. The Team’s primary responsibility is to serve as subject matter experts with a strong understanding of consumer lending origination processes, risks, and controls. Consultants are expected to build and maintain strong relationships with key stakeholders and engage in proactive and open information sharing.

BASIC QUALIFICATIONS

• Bachelor’s degree, or equivalent work experience
• Typically more than six years of applicable experience

PREFERRED SKILLS/EXPERIENCE

• Considerable knowledge of applicable consumer lending/mortgage origination laws, regulations, financial services, and regulatory trends that impact their assigned line of business
• Thorough knowledge of Risk/Compliance/Audit competencies
• Strong analytical, process facilitation and project management skills
• Effective presentation, interpersonal, written and verbal communication skills
• Highly effective relationship building and negotiation skills
• Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations, explaining Compliance Requirements and providing feedback on how to comply
• Collaborating with partners to ensure the risks and control suites in the Enterprise Compliance Risk Assessment (ECRA) are accurate and adequate
• Participating in issue vetting discussions to ensure applicable risks are identified and risk mitigation plans are adequate
• Providing support and seeking out creative solutions during examination, audit, and testing activities
• Engaging partners during Product Risk Management (PRISM) work to provide robust risk support; identify applicable risks, and evaluate risk mitigants
• Completing review of applicable materials to ensure Compliance Requirements are met.
• Proactively identifying trends, emerging risks, and issues
• Escalating concerns timely
• Strong understanding of CBB’s products/services, systems, processes, and controls
• Understanding of risk assessment activities, including risk identification, control documentation and evaluation, and ratings
• Strong critical thinking, project management, and organizational skills
• Established relationship building and written and verbal communication skills
• Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations
• Professional certifications preferred - Certified Regulatory Compliance Manager (CRCM)
  The role offers a hybrid/flexible schedule, which means there’s an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.
  If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by la