Axos Bank

  • Lending Compliance Specialist

    Job Locations US-CA-San Diego
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    Job ID
    2018-2523
    Job Type
    Regular Full-Time
    Department
    Governance, Risk & Compliance
  • Description:

    Born digital, Axos BankTM is publicly traded on the New York Stock Exchange (NYSE: AX). Axos Bank has reinvented the banking model, growing to nearly $10 billion in assets in just 19 years. With a broad and ever-growing range of financial products, Axos Bank is rated among the top 5 online banks in the country! 

     

    We bring together human insight and digital expertise to anticipate the needs of our customers. Our team members are innovative, technologically sophisticated, and motivated to achieve.

     

    Access to line managers and senior executive leaders

     

    Compliance Programs

    • Conduct scheduled loan level documentation reviews and transactional testing on all lending products through focused and random sample basis
    • Assess appropriateness of  existing review scope and develop new or enhance existing test approach to increase effectiveness of compliance program
    • Prepare written reports for Department Manager detailing observations and recommendations for corrections
    • Facilitate and lead discussions with Business Unit Managers and Senior Leadership as it pertains to compliance review results
    • Work with affected business units to accomplish remediation and appropriate training as required
    • Participate in the continual review and improvement of compliance oversight programs for lending products offered by the Bank. Continuous coordination with Department Manager and other team members of your ideas and recommendations for enhancement of areas that cover all regulations affecting credit products
    • Lead and/or participate in the regulatory change management program, which includes, but is not limited to a compliance Task Force and implementation of pending Regulatory rule changes
    • Perform continuous monitoring of regulatory compliance through the data driven compliance reporting processes
    • Review marketing campaigns, disclosures, new products and general regulatory questions. Provide response and/or guidance to the Business Units
    • Evaluate process maps, procedures, policies and management directives for accuracy and completeness
    • Other duties as assigned

    Planning & Development

    • Conduct compliance risk assessments, quality assurance reviews, compliance monitoring processes and company-wide compliance training covering high risk activities.  
    • Participate in development and refinement of activities to enhance the Bank's compliance program

    Analyzing

    • Analyze, summarize and communicate current regulatory and organizational compliance developments to Department Manager and coordinate with other team member efforts to ensure policies, procedures, forms and training meet all new and amended requirements and deadlines
    • Examine and communicate compliance requirements for new or revised products, services, systems to Business Units.
    • Consult with legal counsel, regulatory agencies, vendors and compliance organizations, as needed  

    Regulatory Support

    • Support Bank's efforts on all corporate compliance audits and Agency compliance examinations, including advance preparation, coordination of all information gathering between business units during the audit/exam and remediation actions

    Key Skill Sets or Knowledge Requirements:

    • Flexible and able to work on multiple projects that may require restructuring due to shifting demands and changing priorities within a multi-billion dollar bank
    • Identify and define problems with documentation, loan origination systems, internal processes and procedures; research and analyze information and various situations relating to data management issues.
    • Think outside the box for problem resolutions and alternatives
    • Excellent verbal and written communication to include presentation skills
    • Succeed in working independently
    • Personal computer skills include proficiency in the use of Microsoft Windows/Office (Word, Excel, Visio, PowerPoint) and network environments

    Desired Career Experience & Education Requirements:

    • 2+ years working experience in banking/mortgage/audit/regulatory compliance
    • Loan level documentation review and transaction analysis experience
    • Bachelor's degree preferably in business or related area, or equivalent business experience

    Apply directly for consideration as we are not using any outside agencies for any of our openings

     

    Job Functions and Work Environment:

     

    While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.

     

    The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

     

    Equal Employment Opportunity:

     

    Axos Bank is an equal opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state and local laws.

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