Community Risk Consultant

Job Summary

This role is positioned in the first line of defense to ensure the overall effectiveness of risk and compliance programs of the Retail & Community Bank network. Responsible for supporting Community Banking Leaders’ adherence to the established Risk framework and ongoing supervision of business controls, including Risk and control self‑assessments, identification and evaluation of control effectiveness, identifying control failures, facilitating Risk and compliance remediation, internal and external audits, and monitoring the first line of defense to minimize risk exposures and strengthen the overall control environment.

Maintains branch operational policy and procedures and gains the confidence and trust of others through honesty, integrity, and authenticity.

• Inspect Community Banking business activities, detect problem areas, and deliver quality inspection outcomes related to Risk and Compliance policies and procedures.
  • Document formal summaries of findings based on inspections, deliver remediation, and recommend corrective actions and necessary process & procedural improvements.
• Identify and manage existing and emerging risks that stem from Community business activities and the job role.
• Ensure risks associated with Community business activities are identified, measured, monitored, and controlled following written Risk and Compliance policies and procedures.
• Advise community business on strengthening and managing their control environment, including oversight of procedures/process, accurate regulatory reporting and filing, document governance, Risk control self‑assessments, procedure governance, control design, new product controls, or quality governance.
• Perform ongoing supervision and oversight of business controls, including coordination of testing, root‑cause analysis, control design, and evaluation of key risk metrics.
• Conduct Risk data analysis, report preparation, and trend analysis.
• Partner with business owners to identify control failures and assess impact.
• Translate control deficiencies into action plans and facilitate effective and timely Risk remediation through action plan oversight; provide recommendations to enhance governance practices.
• Maintain processes, procedures, and tools for managing exception alerts and monitor resulting exception cases.
• Provide control oversight to ensure compliance with laws and regulations.

• Serve as first line of defense for Community Bank to work directly with BSA on the following:
  • Ensure all new accounts comply with the Bank’s CIP (Customer Identification Program).
  • Ensure adequate risk‑based KYC (Know Your Customer), CDD (Customer Due Diligence) and EDD (Enhanced Due Diligence) information is captured for new accounts.
  • Ensure compliance with the Bank’s "On‑Going Profiling Methodology" of legacy accounts.
  • Address transactional activity inquiries within set time frames.
  • Ensure properly executed Beneficial Ownership Certifications are obtained at account opening and upon triggering events.
  • Ensure compliance with all aspects of OFAC (Office of Foreign Assets Control).
  • Ensure compliance with Currency Transaction Reporting (FinCEN Form 112).
  • Support special BSA compliance projects, as needed.
• Report any unusual and/or suspicious circumstances and/or activity detected via the BSA "Referral Process".
• Provide regular reporting back to BSA and Community Bank Leadership on operational and BSA performance in the branch network.

• Serve as the branch liaison for operational issues of the Community Bank; conduct regular monthly operational meetings with Community Bank leadership.
• Continually strive to improve operational efficiencies in all areas supervised.
• Support branch consolidations and relocations.
• Ensure the administration of bank‑wide security & fraud training to Retail network in cooperation with the Learning team and address all branch‑related security & fraud concerns.
• Manage development and implementation of Branch operational policies and procedures for all functions within Branch & Retail Operations Support, including new or modified deposit related…