Senior Compliance Analyst

Job Description

JOB INFORMATION

Title:

Senior Compliance Analyst

Officer Title:

Grade:

28

FLSA Classification:

Exempt

Date Last Edited:

7/1/2026

Reports To:

AVP Fair Lending and Responsible Banking

Department:

Legal/Compliance

URL Link

https://hvfcu.jdxpert.com/ShowJob.aspx?EntityID=2&jobcode=1282

PRIMARY FUNCTION

The Senior Compliance Analyst serves as a senior-level resource supporting the AVP of Fair Lending & Responsible Banking in executing the credit union's fair lending, responsible banking, and broader compliance objectives. This role provides advanced support across regulatory research, project research, complaint review, and compliance inquiries from business units, while ensuring activities align with regulatory requirements, credit union policy, and fair & responsible banking principles.

The Senior Compliance Analyst applies seasoned business judgment to evaluate compliance, UDAAP, and fair lending risks, and serves as a senior resource to junior analysts—offering guidance, peer review, and peer review support on day-to-day deliverables. This position supports the compliance officers and collaborates across business units to resolve issues efficiently, address root causes, identify emerging trends, and strengthen the overall control environment.

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Conduct in-depth regulatory research on federal and state laws impacting the credit union, including ECOA/Reg B, Fair Housing Act, UDAAP, EFTA/Reg E, Reg Z, HMDA, and other applicable regulations; summarize findings and recommend actions for the AVP.

•

Support project research and impact assessments for new products, services, marketing campaigns, system changes, and process enhancements to ensure fair lending and compliance considerations are addressed.

•

Monitor regulatory developments, examination trends, and industry guidance; recommend updates to policies, procedures, and controls as needed.

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Serve as a point of contact for compliance inquiries from business units, providing timely, well-reasoned guidance grounded in regulatory requirements and credit union policy.

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Partner with Lending, Marketing, Deposit Operations, and other business units to interpret regulatory requirements and support sound business decisions.

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Escalate complex or higher-risk matters to the AVP with preliminary analysis and recommended next steps.

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Assist in the review and resolution of escalated member complaints, ensuring thorough investigation and timely response in alignment with regulatory requirements and credit union standards.

•

Exercise discretion and professional judgment to assist in assessing regulatory applicability., including ECOA/Reg B, Fair Housing Act, UDAAP, EFTA/Reg E, and other applicable laws.

•

Draft and review clear, accurate, and compliant response letters, applying independent analysis of facts and regulatory context.

•

Identify complaints that may involve potential fair lending or responsible banking risk and escalate to the AVP with preliminary assessments of impact and urgency.

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Assist in prioritizing workloads, coordinating deliverables, and ensuring consistent quality across the team.

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Serve as a subject matter resource for the team on regulatory interpretation, complaint handling, and analytical approach.

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Support the development of complaint-handling and compliance training for business units, frontline staff, and analyst-level team members.

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Maintain accurate records of research, inquiries, complaint reviews, outcomes, and root-cause findings in the appropriate systems, ensuring documentation meets regulatory and audit expectations.

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Ensure all records meet documentation standards for internal audits, regulatory examinations, and risk assessments, applying judgment and regulatory interpretation to ensure completeness and accuracy.

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Support the AVP in preparing for regulatory inquiries and examinations related to fair lending, responsible banking, and consumer complaints, independently compiling information and assessing regulatory significance.

•

Recommend enhancements to complaint management processes, workflows, and system capabilities.

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Provide preliminary insights and recommendations for process or policy changes based on recurring trends and root-cause analysis.

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Maintain up-to-date knowledge of applicable laws, regulations, and examination trends; recommend policy and procedural changes as needed.

•

Participate in cross-departmental projects and strategic initiatives.

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Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.

•

Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.

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Responsible for regular and predictable attendance including punctuality.

Bachelor’s Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience.

Business or related field

X

Compliance Professional Certification (NCCO, CRCM, CAMS)

X

Minimum 5 Years

Experience in banking combined with compliance, audit or relevant business experience.

X

Minimum 3 Years

Demonstrated knowledge of consumer protection regulations (ECOA/Reg B, Fair Housing Act, UDAAP, EFTA/Reg E, Reg Z, HMDA, etc.).

X

Proven ability to exercise independent judgment, manage multiple priorities, and provide guidance to less experienced staff.

X

Prior experience in Jack Henry (Symitar, Synergy, Synapsis), Temenos, MeridianLink, MSP (BlackKnight), or Empower

X

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Must be able to demonstrate working knowledge of applicable rules and regulations.

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Must demonstrate strong analytical, communication and interpersonal skills.

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Advanced verbal, written and presentation skills.

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Advanced proficiency in Microsoft Office Software (Word, Excel, Outlook, PowerPoint, etc.)

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Ability to multi-task and handle varying deadlines within a fast-paced work environment.

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Advanced verbal and written communication skills. Must be able to communicate effectively and positively with internal and external customers, including Senior Management.

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Ability to read, understand and interpret documents, procedures and policies.

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Ability to multi-task and handle varying deadlines within a fast-paced work environment.

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Ability to work well collectively and autonomously.

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Advanced organization and prioritization skills.

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Ability to understand and accurately apply basic mathematical concepts.

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Working knowledge of all banking and lending laws required.

PHYSICAL DEMANDS

Frequency

Physical Demand

Weight (lbs.)

Frequently

Sit for prolonged periods of time

Frequently

Required to communicate verbally

Frequently

Normal range of vision and hearing abilities required

Rarely

Lift and/or move objects

10

Frequently

Travel outside of work location to attend meetings and training programs

Frequently

Travel outside of work location to meet with prospective applicants and members

Frequently

Required to skillfully operate a computer, telephone and other standard office equipment

Frequently

Manual dexterity required

Occasionally

Accommodate a flexible schedule to meet business needs including evenings and weekends.

WORK ENVIRONMENT

•

Typically the noise level in the work environment is low to moderate.

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High energy, high impact atmosphere.

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There are no significant hazardous conditions.

View Competencies

Flexibility and Adaptability

Adapts as needed; knowledge of successful approaches, tools, and techniques for dealing with changes and adapting to a changing environment.

Level 2

1. Accepts new or radical ideas with an open mind; avoids snap reactions.

2. Adjusts to new or changing assignments, processes, and people.

3. Demonstrates ability to successfully manage multiple tasks and priorities.

4. Demonstrates willingness to listen to other opinions.

5. Identifies and considers alternative approaches to situations or problems.

Work Standards

Sets high standards of performance for self and others; assumes responsibility and accountability for successfully completing assignments or tasks.

Level 2

1. Documents how results were obtained to support knowledge transfer and best practices.

2. Helps others drive tasks to completion as appropriate.

3. Holds self and others accountable for delivering on all commitments.

4. Identifies actions necessary to achieve task completion and to obtain results. Meets schedules, deadlines, and performance goals.

5. Recognizes the need for assistance and secures additional resources as needed. Escalates issues and unusual findings that could have an adverse impact on the business.

6. Understands and appropriately applies principles, procedures, requirements, regulations, and policies related to role.

Accuracy and Attention to Detail

Understanding of the necessity and value of accuracy and attention to detail; ability to process information with high levels of accuracy.

Level 2

1. Processes limited amounts of detailed information with good accuracy.

2. Utilizes specific approaches and tools for checking and cross-checking outputs.

3. Develops and uses checklists to insure that information goes out error-free.

4. Accurately gauges the impact and cost of errors, omissions, and oversights.

5. Learns from mistakes and applies lessons learned.

Regulatory Environment - Financial Services

Knowledge of and ability to help an organization adapt to applicable federal, state, local, and company-specific regulations, policies, and guidelines affecting business practices.

Level 1

1. Explains the purpose and necessity of regulations, policies, and guidelines.

2. Identifies major agencies and company departments charged with adherence.

3. Describes major types of compliance, audit, and enforcement mechanisms.

4. Cites major policies and standards that govern one's own line of business.

Service Excellence

Consistently incorporates Hudson Valley's member and employee value proposition, reinforcing organizational culture and brand differentiators.

Level 2

1. Creates a positive team environment by celebrating successes and driving excellence.  2. Dedicates required time and energy to assignments or tasks to ensure that no aspect of the work is neglected; works to overcome obstacles to completing tasks or assignments.  3. Effectively communicates the connection between culture and the business strategy.  4. Implements effective strategies and activities that promote long term customer loyalty.  5. Inspires and strives for excellence in all aspects of work including setting high performance goals for oneself and others.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee in this position.  Additional functions and requirements may be assigned by supervisors as deemed appropriate, with or without notice.

Nothing contained in this material creates a contract of employment between an employee and Hudson Valley Federal Credit Union or otherwise alters the at-will nature of the employment relationship.

Are you able to perform the essential functions listed in this job description with or without reasonable accommodation?  YES_______  NO_______

By signing below you certify that you have received this job description and understand the requirements, essential functions and duties of the position.  If you are currently employed in this position, your signature acknowledge that this job description accurately describes the position, including its essential functions.

Name:  _____________________________________________

Signature: _____________________________________________

Date:  _____________________________________________ 

Please also note that Hudson Valley Federal Credit Union respects the religious beliefs and practices of employees and will, on request, reasonably accommodate its employees when a reasonable accommodation is available that does not create an undue hardship on the Credit Union’s business.  Therefore, unavailability for work due to religious observances or practices may not be a bar to employment.