Robert Half International Compliance Officer in Commerce, Georgia
Description 1. Maintaining, organizing and filing up-to-date library of various regulatory pronouncements and the actual regulations.
Performing internal audit at all Banking Centers at least quarterly for reporting to the Board.
Recommending modifications to bank policies and procedures to achieve compliance with amended or new regulations.
Performing and monitoring compliance activities throughout the bank as delegated by the Compliance Officer.
Keep informed of regulatory changes and updates by reading bulletins, circulars, and other pronouncements from CFPB, OCC, Federal Reserve, FDIC, and State Regulatory agencies.
Disseminating appropriate regulatory information to affected bank personnel, to include helpful guides and aids to assist in the understanding of the act and locating and sharing efficient ways to achieve compliance.
Assisting in the development and maintenance of compliance programs by maintaining files, training necessary bank staff, assisting in relevant internal audits and follow-up of those audits in the following areas in particular:
Community Reinvestment Act (CRA) – Prepare annual CRA statement, self-assessment, and analysis of geographic distribution of lending.
Home Mortgage Disclosure Act (HMDA) – Periodic review and monitoring of compliance, collection of individual lender HMDA loan application registers, annual preparation and submission of HMDA report.
Reg. Z – Truth in Lending – Periodic monitoring of compliance.
Flood Insurance regulations – Monitor compliance.
Real Estate Settlement Procedures Act (RESPA) – Emphasize disclosure and documentation requirements.
Equal Credit Opportunity Act (ECOA) – Emphasize retention and review of credit denial notices.
Fair Credit Reporting Act
Fair Debt Collection Practices Act
Credit Practices Rule
Right to Financial Privacy Act
Bank Secrecy Act (Be familiar with requirements of BSA and assist BSA Officer.)
Expedited Funds Availability Act (Reg. CC)
Electronic Funds Transfer Act (Reg. E)
Insider Transactions (Reg. O)
Interbank Liabilities (Reg. F)
Truth in Savings Act (Reg. DD) – Develop required policies and procedures, ensure needed software changes are made and development of disclosures needed for account terms.
Reg. Q & D – Interest on deposits and reserve requirements.
Reg. AA – Credit Practices Rule
Fair Housing Act / Fair Housing Regulations
State Usury laws
Advertising (Q, Z, FDIC)
Financial Institutions Regulatory and Interest Rate Control Act
Depository Institutions Deregulation and Monetary Control Act
UDAAP Requirements Compliance, Federal Banking Regulation, Commercial Mortgage
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