San Antonio, TX5 days ago
While each project involves unique tasks, contributors may: Design and evaluate rule application scenarios — reading a real compliance artifact (advertisement, disclosure, policy) against a specific regulation and citing the exact subsection that applies or is violated; Write OFAC/sanctions alert disposition cases with structured false-positive reasoning documentation, and escalation scenarios where a transaction must be blocked and reported; Build quarterly compliance testing scenarios: sample selection methodology, test design, findings documentation, and examiner-ready conclusion memos; Create Regulation E dispute eligibility cases applying the exact timing windows — 2-day, 60-day, and investigation windows — to specific dispute fact patterns, including liability tier and provisional credit obligations; Draft examiner request response scenarios testing completeness, format precision, and cover memo quality; Develop policy gap identification cases where the bank's internal policy is silent on a regulatory requirement, contradicts the regulation, or has not been updated to reflect a recent change; Design material-change impact analysis cases: identifying which internal policies, customer disclosures, training modules, and systems are affected by a regulatory update; Author audit finding remediation tracking scenarios with pattern recognition across a findings register (recurring findings, slipping dates, department-level patterns); Document all test cases with verified regulatory citations to the specific CFR subsection — never approximated, never fabricated. Ideally, contributors will have: Degree in Finance, Law, Business, Economics, or related field — or equivalent professional experience; no specific degree is required if credentials (CRCM, CAMS) or examiner background are present; 3+ years of hands-on U.S. consumer banking compliance experience at a bank, consulting firm, or regulatory agency; Citation discipline as a non-negotiable habit — able to identify the exact CFR subsection that applies and flag uncertainty rather than approximate; Working knowledge of U.S. consumer protection regulations: Regulation Z (Truth in Lending / TILA), Regulation E (Electronic Fund Transfer Act), Regulation B (ECOA), UDAAP, and related rules; Familiarity with OFAC sanctions screening disposition logic — structured false-positive reasoning, escalation criteria, documentation requirements; Experience with examination management: responding to examiner requests, tracking remediation of findings, or conducting compliance testing with attestation memos; Ability to read an internal policy against its underlying regulation and identify silences, contradictions, and outdated provisions; CRCM (Certified Regulatory Compliance Manager) or CAMS (Certified Anti-Money Laundering Specialist) credential is a strong positive signal; former OCC, Fed, FDIC, or CFPB examiner status is equally strong; JD with banking-regulatory practice is a strong signal for citation-heavy tasks; Strong written English (C1+).