Community Risk Consultant

Community Risk Consultant – Seacoast Bank

Job Summary
This position serves as the first line of defense in ensuring the effectiveness of the risk and compliance programs for Seacoast Bank’s Retail & Community Bank network. The incumbent supports Community Banking leaders in adhering to the risk framework, oversees business controls, and manages risk and compliance remediation, including audits and monitoring to minimize exposures and strengthen the control environment.

• Inspect Community Banking business activities, detect problem areas, and deliver quality inspection outcomes aligned with risk and compliance policies.
• Document formal summaries of findings and recommend remediation, corrective actions, and process improvements.
• Identify and manage existing and emerging risks resulting from community business activities.
• Ensure risks are identified, measured, monitored, and controlled in accordance with written policies.
• Advise the community business on strengthening and managing control environments, including oversight of procedures, accurate regulatory reporting, document governance, compliance self‑assessments, and new product controls.
• Supervise business controls, coordinate testing, conduct root‑cause analysis, and evaluate key risk metrics.
• Perform risk data analysis, report preparation, and trend analysis.
• Partner with business owners to identify control failures and assess impacts.
• Translate control deficiencies into action plans and facilitate timely risk remediation.
• Maintain processes, procedures, and tools for managing exception alerts and monitoring resulting cases.
• Provide control oversight to ensure compliance with laws and regulations.

• Serve as the first line of defense for Community Bank in collaboration with BSA on compliance tasks.
• Ensure new accounts comply with the bank’s CIP, KYC (CDD/EDD) requirements, and ongoing profiling methodology.
• Address transactional activity inquiries within set time frames.
• Obtain and maintain Beneficial Ownership Certifications for account openings and trigger events per the BSA/AML/OFAC program.
• Ensure compliance with OFAC and Currency Transaction Reporting (FinCEN Form 112).
• Support special BSA compliance projects as needed.
• Report unusual or suspicious circumstances via the BSA referral process.
• Provide regular reporting on operational and BSA performance to leadership.

• Act as branch liaison for operational issues and conduct monthly meetings with community bank leadership.
• Continuously improve operational efficiencies across supervised areas.
• Support branch consolidations and relocations.
• Administer bank‑wide security and fraud training with the learning team and address related concerns.
• Develop and implement branch operational policies for all functions, ensuring adherence to applicable laws and regulations.

• Support the Retail Bank’s quality control/assurance monitoring program.
• Perform audit oversight for branches, including quality control of new account openings and operational performance metrics.
• Support self‑monitoring activities for compliance with lending, deposit, BSA, and other key regulations.
• Identify patterns of non‑compliance, investigate root causes, and propose cost‑effective remediation solutions.
• Understand retail enterprise risk and critical controls to streamline associate workflows.
• Complete self‑monitoring activities for key risks and prepare written reports of testing results and recommendations.
• Evaluate new and existing processes to ensure adherence to all applicable laws and regulations.

• High School Diploma or GED required.
• College degree (A.A., A.S., B.A., or equivalent) preferred.
• Proven track record building internal relationships and bridging alliances.
• 5+ years’ experience in community bank operations, emphasizing branch procedures and compliance issues.
• Proficient in PC keyboard typing and Microsoft Office suite; ability to learn additional systems quickly.
• Intermediate knowledge of ATM, EFT, wire transfer processing, branch capture, remote capture, electronic image exchange, and current branch security technology.
• Intermediate knowledge of BSA (CIP/CDD/EDD), compliance, and OFAC requirements.

All associates must adhere to the highest legal and ethical standards and complete all required training post‑hire. Seacoast Bank is an equal‑opportunity employer.

Location:

Miami, FL
• Salary: $ – $ (announced 3 days ago)