Senior Auditor
Employment Type: Full Time, Exempt Position
Location: Sugar Land, Texas Office
Work Hours: Monday through Friday - 8:00 a.m. - 5:00 p.m.

EXPERIENCE:

Seven years to ten years of audit experience, with at least 5 years in a financial institution auditing consumer and mortgage lending, BSA/AML programs, and electronic payments.

EDUCATION:

(1) A master’s degree, or (2) a bachelor’s degree plus professional certification (e.g., CPA).

KNOWLEDGE AND SKILLS:

Work frequently involves exercising advanced conflict resolution, giving material presentations, and resolving issues impacting multiple departments or divisions. Role also requires the ability to motivate or influence others as a material part of the role, with a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the role and a high level of interpersonal skills is critical to the success of this position.

OTHER SKILLS:

Certifications: Certified Internal Auditor (CIA) or Certified Public Accountant (CPA). Experience with credit union core systems (e.g., Symitar), loan origination software, and audit management platforms. Familiarity with automated auditing tools and data analytics to enhance audit testing and reporting. Experience auditing NCUA-regulated institutions or working directly with credit union examiners. Proficient with Microsoft Office 365 including Outlook, Word, and Excel.

ROLE:

The Senior Auditor plays a critical role in evaluating and enhancing the effectiveness of internal controls, risk management, compliance, and governance processes throughout the credit union. This position requires deep expertise in mortgage and consumer loan lending, Bank Secrecy Act (BSA), and Automated Clearing House (ACH) operations. The Senior Auditor will lead and execute audits in accordance with HFCU’s annual audit plan, and as directed by HFCU’s Vice President of Internal Audit. The Senior Auditor will also conform with the International Standards for the Professional Practice of Internal Auditing and the Generally Accepted Auditing Standards (GAAS) while ensuring compliance with all applicable federal and state regulations, including those enforced by the National Credit Union Administration, Consumer Financial Protection Bureau, Financial Crimes Enforcement Network, and Office of Foreign Assets Control, and any other regulatory body that has oversight of HFCU’s operation.

ESSENTIAL FUNCTIONS & RESPONSIBILITIES:

• Plan, lead, and execute risk-based internal audit engagements across departments with an emphasis on:o Consumer and mortgage loan origination, underwriting, servicing, and collections.o Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) program.o Automated Clearing House (ACH) program.
• Review and assess compliance with key regulations including but not limited to: RESPA, TILA, HMDA, ECOA, Fair Lending, BSA/AML, and NACHA operating rules.
• Evaluate the adequacy and effectiveness of internal controls and risk mitigation strategies across lending, operations, and compliance areas.
• Conduct testing of loan documentation and underwriting practices for adherence to credit union policy and regulatory standards.
• Analyze systems and processes to identify weaknesses, inefficiencies, or potential risk exposures.
• Prepare detailed, well-supported written audit reports and present findings and recommendations to the Vice President of Internal Audit, management and the Supervisory Committee.
• Effectively collaborate with the Vice President of Internal Audit, Senior Management Team members, and other members of management to ensure timely remediation of audit findings and implementation of process improvements.
• Assist in the development, execution, and continuous refinement of the internal audit risk assessment and annual audit plan.
• Monitor regulatory changes and emerging risks that may impact audit priorities or procedures, and ensure the organization is informed and prepared for such items.
• Serve as a subject matter expert in consumer and mortgage lending, BSA/AML compliance, and ACH operations during audits and investigations.
• Performs other job-related duties as assigned.