Risk Compliance Officer

Location: On site in Memphis, TN

Summary

The Fair Banking Senior Officer provides subject matter expertise focused on fair banking risk, with an emphasis on leading redlining analysis and providing advisory support to markets. The role blends compliance and fair banking oversight, ensuring practices protect clients, align with regulatory expectations, and support sustainable growth. The associate partners closely with first-line leaders in the markets, providing guidance on federal and state fair lending/fair banking requirements and UDAAP, and translating complex analytics into actionable improvements.

Essential Duties and Responsibilities

1. Lead the redlining analytics lifecycle: scoping, peer selection, data quality and validation, statistical and qualitative analysis, and narrative development.
2. Analyze HMDA and internal production data to evaluate penetration, market share, banking center/marketing distribution, and outreach in majority-minority census tracts.
3. Produce clear, management-ready reports and presentations; recommend and track corrective actions with urgency.
4. Serve as a trusted advisor to market and business partners on a wide range of regulations, including Fair Housing Act, Fair Lending, UDAAP, ECOA/ Reg B, Fair Debt Collection Practices Act, and State Predatory Lending Laws.
5. Complete formal risk assessments for assigned regulations.
6. Conduct Banking Center/ATM Impact Analysis for openings, closures, relocations, and service changes; assess client access, majority-minority tract impacts, fair banking considerations, and recommend mitigation plans.
7. Maintain thorough documentation that supports transparent, repeatable processes.
8. Assist management with audit and regulatory exam readiness by coordinating and delivering complete, accurate, and timely data, documenting processes and controls, and compiling traceable supporting documentation through closure.
9. Work directly with market leadership, Community Development/CRA teams, Mortgage, and frontline associates to interpret analysis, align action plans, and verify execution outcomes.
10. Bring a strong sense of urgency, follow-through, and problem-solving to close gaps and improve client outcomes.

Supervisory Responsibilities

No supervisory responsibilities.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position: