Manager - Consumer and Commercial Lending Compliance

Job Summary 

The Manager, Lending Compliance leads compliance and quality control professionals in supporting UFCU’s adherence to applicable laws, regulations, internal requirements, and risk standards through the implementation and continuous improvement of UFCU’s compliance management program. This role partners with business and functional leaders across the credit union to evaluate regulatory changes, translate requirements into practical updates to products, services, practices, policies, and processes, and support effective change management with minimal disruption to operations and the member experience. The Manager, Lending Compliance provides strategic guidance, oversight, and consultative support that enables UFCU to manage compliance risk while advancing organizational priorities and serving members responsibly. 

About UFCU  

Our Credit Union was founded in 1936 and has grown to serve members throughout Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures.  
 
In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values: 

Purposefully Member-Obsessed  

We are driven by a profound sense of empathy to deeply understand our Members’ needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our  

Members’ best interests, forever seeking to empower their financial success. 

Possibilities Reimagined  

We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our  

Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights. 

Performance Excellence Rooted in Unwavering Integrity  

We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration. 

Essential Functions 

Team and Project Management Leadership 

• Lead, coach, and develop compliance and quality control employees, establishing clear performance expectations and supporting career growth, accountability, and effective communication of findings and recommendations.  
• Oversee team responsibilities and priorities to ensure timely completion of monitoring, testing, reporting, issue management, and other activities that support UFCU’s compliance management program and business objectives.  
• Build a high-performing team that operates according to The UFCU Way and demonstrates UFCU’s culture, leadership standards, transparent communication, continuous improvement, innovation, and operational excellence. 

Compliance Management and Oversight 

• Lead UFCU’s compliance management and regulatory change activities by staying current on applicable requirements, assessing risk, and translating legal, regulatory, and internal standards into practical policies, procedures, controls, and business guidance.  
• Oversee risk-based monitoring, testing, and analysis of UFCU products, services, practices, records, disclosures, complaints, findings, and compliance data to identify emerging risks, support fair and consistent member outcomes, and inform corrective action.  
• Serve as a primary compliance liaison and trusted advisor to UFCU business and functional leaders, regulators, examiners, internal auditors, and other stakeholders, clearly communicating regulatory developments, compliance performance, member impact, and recommendations.  
• Coordinate examination, audit, and internal testing activities, including information requests, action plans, issue resolution, and sustainable remediation of identified findings.  
• Provide timely research, guidance, and resolution for escalated compliance matters, using compliance technology, legal and third-party resources, and subject matter expertise.  
• Review member- and public-facing communications, advertising, and marketing materials for compliance with applicable requirements and UFCU standards.  
• Build strong cross-functional relationships that influence sound, risk-based decisions, improve processes, and advance UFCU’s organizational and member-focused goals. 

Knowledge/Skills/Abilities 

Knowledge 

• Advanced knowledge of federal and state compliance requirements applicable to credit unions and financial services, with demonstrated specialization in either mortgage compliance or consumer lending compliance. Mortgage specialization includes residential real estate lending requirements, disclosures, documentation, and servicing; consumer lending specialization includes consumer credit products, disclosures, servicing, and collections.  
• Strong knowledge of compliance management systems, including regulatory change management, risk assessment, monitoring and testing, complaint and issue management, remediation, policy development, and examination or audit support. 

Skills 

• Strong project management and organizational skills, with close attention to detail and the ability to manage competing priorities and deadlines.  
• Strong interpersonal, listening, collaboration, and verbal and written communication skills.  
• Strong analytical, evaluative, and problem-solving skills, including the ability to develop practical and innovative solutions. 

Abilities 

• Ability to safeguard confidential information and exercise sound judgment in handling sensitive matters.  
• Ability to lead individual and team responsibilities while improving processes, productivity, and results.  
• Ability to evaluate complex information, identify risk, make well-reasoned decisions, and clearly communicate recommendations. 

Experience 

Minimum Requirements 

• Bachelor’s degree.  Four (4) years of relevant experience may be substituted for degree.  
• Minimum of five (5) years of compliance experience in financial services, including substantial experience specializing in either mortgage compliance or consumer lending compliance.  
• Minimum of three (3) years of demonstrated management and supervisory leadership experience developing and leading teams with direct or indirect reporting relationships.  
• Advanced knowledge of regulatory compliance principles and practices, including the requirements applicable to the candidate’s area of specialization.  
• Must be bondable. 

 Preferred Requirements 

• Master’s degree in relevant field.  
• Experience working in a credit union and/or within the financial services industry.  
• Certified Regulatory Compliance Manager, Certified Mortgage Compliance Professional, NAFCU Certified Compliance Officer, or another relevant compliance certification aligned with mortgage or consumer lending compliance. 

Physical Demands 

The physical demands described below are representative of those that must be met by an employee, with or without reasonable accommodation, to successfully perform the essential functions of this position. 

Frequent 

• While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.  
• Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.  
• The employee is frequently required to stand and walk.  
• The employee will use telephone and virtual communication platforms and must be able to clearly and accurately explain complex information. 

Work Environment 

The work environment characteristics described below are representative of those an employee may encounter while performing the essential functions of this position. 

• This position is a hybrid position that requires frequently working onsite at UFCU Plaza in Austin, Texas. 
• This position may involve periodic stressful conditions. 
• May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.  
• Public contact position, requiring appropriate professional appearance.  
• Frequent computer use at a workstation up to two hours at a time.  
• The noise level in the work environment is usually moderate. 

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