Senior Compliance Analyst

OUR LEADERSHIP PHILOSOPHY
At Lighthouse Credit Union, we believe all individuals, regardless of position level, are considered leaders. By providing a framework that balances clarity with adaptability, our Leadership Competencies aim to foster a culture of continuous growth and agile leadership. Lighthouse Credit Union is committed to embracing change, nurturing leadership talent, and ensuring our performance management practices are aligned with our vision of fostering a resilient and forward-thinking organization. As such, we all hold ourselves accountable to the following:

LEADERSHIP COMPETENCIES

Demonstrates Interpersonal Awareness & Skills
A cornerstone of our collaborative work environment, this competency emphasizes effective communication, relationship building and teamwork. It also supports creating a positive work environment that values individual contributions and fosters teamwork. As an individual leader, you will demonstrate active listening, clear communication, and contribute beneficially to team dynamics.

Embraces Change & Learning
This competency focuses on adaptability, personal development and the advocacy and embracing of progressive change.You will be challenged to explore continuous learning opportunities to achieve excellence and foster a culture of growth and innovation. As an individual leader, you will actively engage in personal development, embrace change enthusiastically and support team members in their growth. You will also demonstrate flexibility and adaptability in response to changing circumstances.

Utilizes Critical & Creative Thinking
Underlining the importance of innovative problem solving, challenging the status quo and strategic thinking, this competency is vital for driving excellence and leadership. This competency challenges team members to take initiative beyond one's immediate responsibilities. As an individual leader, you will actively look for and share opportunities for improvement, show open-mindedness to new ideas and professionally challenge inefficient processes. You will also actively contribute to defining solutions and promoting innovation.

Takes Personal Ownership
This competency focuses on taking responsibility for performance goals, proactive collaboration, and accountability. It highlights the significance of each team member taking ownership of their role and contributions while demonstrating leadership qualities regardless of their position. As an individual leader, you will be actively engaged in setting and achieving performance goals, take responsibility for personal action and decisions and seek opportunities for self-improvement and skill development.

POSITION SUMMARY
The Senior Compliance Analyst plays an important role in maintaining and enhancing the Credit Union's Compliance Management System (CMS). The position provides advanced compliance expertise by conducting compliance monitoring reviews, reviewing consumer complaints for compliance-related concerns, reviewing marketing materials for adherence with regulatory requirements, and assisting with regulatory change management. This role ensures that lending, deposit, marketing, and operational activities comply with applicable federal and state laws and regulations while minimizing legal and reputational risk. The position serves as a key resource to management and staff and requires strong analytical skills, attention to detail, and the ability to manage multiple priorities in a fast-paced environment.

ESSENTIAL FUNCTIONS & RESPONSIBILITIES
* Leads compliance monitoring reviews independently or in conjunction with others to assess the effectiveness of internal
controls, policies and procedures; including reviews of adherence to:
* Lending-related regulations
* Deposit-related regulations
* Supervisory guidance and best practices, as applicable to the Credit Union's products and services.
* Evaluates management responses to compliance monitoring reviews for adequacy and effectiveness; and track findings andvalidate completion of corrective actions.
* Reviews, approves, and provides guidance on advertising, marketing, and promotional materials to ensure compliance with regulatory requirements, including print materials/in-branch displays, website content, social media platforms, electronic messaging/emails and other forms of advertising media.
* Assists business lines in reviewing forms, disclosures, terms and conditions, and other consumer-facing materials for compliance requirements prior to distribution or implementation.
* Tracks and participates in the analysis of new, changing, and existing federal and state laws and regulations to identify impacted areas and processes requiring updates to remain compliant.
* Assists in the preparation of compliance-related reports and content for quarterly Enterprise Risk Management Committee meetings.
* Maintains and supports the complaint management process, including tracking the number of complaints and performing a monthly regulatory risk assessment; and compiling complaint trend analysis data to be reported on a quarterly basis.
* Ensures identified compliance issues are escalated appropriately and that corrective actions are implemented and documented.
* Evaluates new products and changes to existing products to ensure regulatory requirements and compliance risks are properly identified and addressed.
* Collaborates with business units and stakeholders on the development, revision, and implementation of compliance-related policies and procedures.
* Assists Compliance Director with regulatory examinations, internal or external audits, and third-party consultant engagements including requesting and preparing materials, arranging logistics, coordinating meetings, and facilitating communication with examiners, auditors, and internal stakeholders.
* Serves as a resource and support Credit Union management and employees by responding to compliance-related questions and providing guidance as needed.
* Maintains professional and technical knowledge by attending training and workshops, reviewing professional publications, establishing industry networks, and participating in relevant professional organizations.

JOB SPECIFICATIONS
* Strong decision-making, analytical, and organizational skills with exceptional attention to detail and the ability to assess compliance risk and regulatory exposure.
* Ability to prioritize, multi-task, and manage competing deadlines effectively in a fast-paced environment.
* Excellent verbal and written communication skills, including the ability to prepare clear reports, document findings, and deliver guidance or training to diverse audiences.
* Ability to analyze complex and nuanced factual situations, apply regulatory and functional principles, and advise business lines on practical, risk-based solutions.
* Proven ability to work independently and collaboratively across departments, influencing outcomes and driving compliance initiatives forward.
* Self-motivated and proactive, with the initiative to address challenges, identify opportunities for improvement, and ensure timely completion of objectives.
* High level of professionalism, integrity, and sound judgment, with a solution-oriented and business-focused approach to compliance.
* Knowledge of banking or credit union regulations related to lending, deposits, marketing, and consumer protection.

EDUCATION, TRAINING & EXPERIENCE
* Bachelor's or Associate degree; and four (4) or more years in banking or credit union compliance; legal or regulatory roles related to financial institutions; or equivalent combination of education and experience;
* Certifications such as CRCM, CUCO, or similar is preferred.

WORK ARRANGEMENT
The working arrangement for this position is hybrid. Hybrid work is an opportunity to find the right balance between working in the office and remotely, especially if it supports individual success and the needs of our organization. Hybrid schedules are determined by the hiring manager based on business unit needs and may vary by department.

We know life doesn't pause when you're at work - and your benefits shouldn't either. At Lighthouse Credit Union, we offer real support for real life, with perks that help you stay healthy, grow your future, and take care of what matters most.

* Student Loan & Tuition Assistance - Whether you're paying off debt or going back to school, we help lighten the load.

* Employee Loan Discounts - Get access to lower rates on personal loans, just for being part of the team.

* Weekly Paychecks - Because waiting two weeks shouldn't be the norm.

* 401(k) with Employer Match & Profit Sharing - We invest in your future with generous contributions and immediate vesting.

* Lighthouse Leave Program - Paid time off for major life moments, from welcoming a child to caring for a loved one.

* Volunteer Time Off (VTO) - Give back to your community with paid time to serve.

* PTO + Paid Federal Holidays - Rest, recharge, and celebrate without worry.

* Balanced Schedule - All branches close by 5pm and on Sundays - no late nights or unpredictable shifts.

* Comprehensive Medical, Dental & Vision Plans - Coverage that starts quickly and fits your needs.

* HSA/FSA Options - Save pre-tax dollars for everyday health expenses.

* Discounted Pet Insurance - Because furry family members deserve care too.

* Employee Assistance Program (EAP) - Free, confidential support for life's challenges - available 24/7.

* Annual Bonus Program - Celebrate your wins, your teammates' successes, and the Credit Union's growth - together.

* Engagement Groups - Join communities like Pride at Work, Women in Leadership, Book Club, and more.

* Ongoing Training & Career Growth - We invest in your development from day one.

* Annual Summit & Team Outings - Celebrate wins and connect with coworkers across the organization.

LIGHTHOUSE CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER