Accountabilities:Program Ownership and ResponsibilitiesMaintain a documented responsibility matrix identifying whether the Compliance Manager serves as program owner, second-line oversight function, advisor, committee member, Fair Lending, UDAAP, HMDA, BSA/AML-CFT, vendor management, complaint management, privacy, and other assigned compliance programs. Board and management reports should address regulatory developments, compliance risk assessment results, monitoring and testing, complaints and trends, violations and consumer harm, open and overdue corrective actions, training completion, examination and audit results, emerging risks, and resource adequacy.