Direct Banking Universal Specialist/Virtual Banker - More than your bank. Your banker.

Hours:

Monday - Friday

40 Hours

General Summary

The Compliance Quality Assurance Manager (QA Manager) is responsible for operational support duties of the Compliance Management Team as directed by the Compliance Manager. Manages the Quality Control Program and Supervises the Compliance Specialist position(s). This position assists in developing, executing, and maintaining the Bank's compliance program to ensure conformity and adherence with all applicable state (multi-state) and federal laws and regulations. Coordinates and supports compliance monitoring, audits and examinations. Performs periodic monitoring of lending and deposit programs as well as reviewing CCBG related websites for regulatory consumer compliance laws and regulations. Provides training to Bank associates on compliance policies and procedures.This position has direct responsibility for employment decisions.

All associates at Capital City Bank have access to confidential client information and must practice discretion at all times.

Principal Duties and Responsibilities

• Lead and administer duties within Bank compliance program outlined by Compliance Manager.
• Manages the Quality Control program and supervises the Compliance Specialist position(s).
• Serves as a subject matter expert to all Lines of Business in the development and implementation of new Bank products and services, to ensure compliance.
• In conjunction with other members of the Compliance Management Team, implement legislative and regulatory requirements, whether new or modified, analyzing implications on the Bank’s operations and activities.
• Functions in the role of the Compliance Manager in their absence.
• Contributes subject matter expertise on compliance risk in Bank operations.
• Conducts detailed reviews/monitoring of deposit and lending products/delivery to ensure compliance with regulatory requirements and business unit policy and procedure with limited direct supervision. Ability to prepare professional written reports of findings and recommendations.
• Review and propose enhancements to written procedures pursuant to QA findings.
• Develops checklists for the Corporate Compliance staff to ensure all appropriate forms and documents are updated when changes are made to policies, procedures, or newly identified risks.
• Serves as a compliance resource to all Lines of Business in responding to matters regarding daily operations.
• Takes lead in the oversight of corrective action taken by management to address compliance deficiencies, including conducting follow-up reviews to determine the adequacy and effectiveness of action taken.
• Maintain current awareness of legislative developments and a working knowledge of state (multi-state) and federal laws and regulations as they relate to consumer compliance. Ability to research, analyze and communicate the impact of consumer laws and regulations on Bank operations, including policies, procedures, forms, advertising and promotional materials.
• Identifies and recommends required changes need and executes implementation.
• Research and provide support on any regulatory changes that would impact the Bank.
• Partners with Star University in compliance training initiatives. Develops content and provides training sessions on regulatory compliance issues.
• Writes and edits compliance materials (e.g. policies, procedures, programs, committee agendas, meeting materials, committee minutes, etc.). 

Employer determines the essential functions of the job.

All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT at all times. Associates will consistently follow policies and procedures as established by Capital City Bank.

Associated Duties

• Performs a variety of daily tasks including review of reports and correspondence preparation.
• Participates in special Compliance department projects.
• Assists the Compliance staff with other duties and projects.
• Provides additional support to manager and department colleagues.
• Performs other assignments as directed by the Director of Compliance and Compliance Manager.
• Completes all assigned/required Bank training within established timelines.

Knowledge, Skills and Abilities (KSAs) Required

The following KSAs are usually acquired through working experience and/or specialized course(s):

• Experience of 5-7 years in Regulatory Compliance including but not limited to implementation of policies and procedures, monitoring of business lines activities to ensure quality control, auditing process and procedures to ensure compliance.
• Ability to build strong relationships to facilitate research and ongoing projects.
• Able to effectively to communicate with business partners, regulators and auditors
• CRCM Certification preferred but can be gained through employment. Commitment to become certified within 3 years from date of hire.
• Strong working knowledge of consumer regulatory requirements is required.
• Ability to analyze and apply consumer and commercial deposits and lending regulatory requirements.
• Excellent organizational, verbal and written communication and composition skills. Solid interpersonal skills necessary to interact with Bank associates and management. Strong problem-solving skills and strong attention to detail are expected.
• Must be self-directed and work with a minimum of supervision.
• Ability to multi-task and to shift priorities as needed to perform tasks within changing deadlines. 
• In depth knowledge of Microsoft Office products (Word, Excel, Outlook, Power Point, Adobe Reader)
• Knowledge of banking, the internal structure of a bank, elements of bank operations and services helpful. Understanding of consumer protection and public interest laws and regulations; bank supervisory compliance examination procedures a plus.

Education

Bachelor's Degree required or 5-7 years regulatory compliance experience may be substituted for the education requirement. Regulatory compliance experience in a federally regulated financial institution required. Internal audit experience a plus.

Working Conditions

• Professional and fast-paced office environment.
• Occasional travel to other offices or markets
• In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.
• Positions approved for Hybrid Flex/Remote Work are determined by department manager and HR. All associates approved to participate in a Flex/Remote work schedule will review and acknowledge the guidelines outlined in the Hybrid Flex/Remote Work Policy.

Capital City Bank associates are our greatest asset. We offer the following benefits:

• Medical, Dental and Vision
• Life Insurance
• 401(k) with Matching
• Flexible Spending Accounts
• Tuition Assistance
• Stock Purchase
• Discounts on Products and Services

EOE/Protected Veterans/Disabled/Drug Free

The above declarations are not intended to be an “all-inclusive” list of the duties and responsibilities of the job described nor are they intended to be such a listing of the skills and abilities required to do the job. Rather, they are intended only to describe the general nature of the job.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE AN EMPLOYMENT AGREEMENT. This job description does not restrict Capital City Bank from its ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the bank or department change or for other reasons deemed appropriate.