Risk and Compliance Officer - Member Experience

Overview

When you join the Members 1st team, you become part of something much bigger than a credit union. You become part of our faM1ly—a tight-knit bunch with big dreams and even bigger values. It is an exciting time for us as we continue to grow, and we hope that you will choose to grow along with us. Wanting the absolute best for our associates means more than just competitive pay.

It means fantastic healthcare, paid benefits, opportunities for professional advancement and work-life balance - and best of all, a place where you are accepted and respected for your individuality.

As a First Line Risk and Compliance Officer, the Risk and Compliance Officer - Member Experience ensures that inherent risks in business processes, products, and activities are identified, assessed, mitigated, and monitored. This position partners closely with business leaders to ensure risks are understood, controls are designed and operating effectively, and that activities support safe and sound banking practices in compliance with applicable laws, regulations, and internal policies.

The role executes risk and control self-assessments, oversees issue identification and remediation, monitors risk metrics, and escalates emerging issues. The role serves as the primary risk and compliance liaison between the business and Second Line Risk and Compliance functions. The role may partner with Second Line Risk and Internal Audit during reviews, exams, and issue resolution. Finally, the role promotes a strong risk and compliance culture by embedding risk awareness into day-to-day business activities and training for business units.

The Risk and Compliance Officer - Member Experience ensures that all member facing operations comply with regulatory requirements while supporting a seamless and trustworthy service experience. This role oversees risk and compliance across Collections—including adherence to UDAP/UDAAP standards and proper repossession practices—while also partnering on member service escalations. The officer provides oversight for loan servicing, ACH payments, and Regulation E disputes involving ACH and ATM transactions, ensuring investigations and resolutions meet regulatory timelines and documentation standards.

They also support the contact center by reviewing outreach practices for compliance with TCPA requirements. A critical part of the role includes maintaining a thorough understanding of deposit account regulations, including federal and state banking laws, Reg E, Reg CC, BSA/AML requirements, and internal policies governing account maintenance, funds availability, and transaction processing. Across all functions, the officer monitors risk trends, interprets regulatory changes, supports audits and examinations, and provides training to frontline teams to ensure the credit union delivers a compliant, member centric experience.

• Knowledge of credit union regulations and standards (e.g., BSA/AML, OFAC, UDAAP, privacy, lending compliance)
• Strong analytical, problem-solving, and organizational skills
• Excellent written and verbal communication abilities
• Ability to develop policies, conduct audits, and perform risk assessments
• Proficiency with compliance management systems and Microsoft Office
• Knowledge on applicable laws and regulations

• Accountability and self-management
• Communication
• Effective knowledge
• Innovation and problem-solving
• Teamwork and leadership

• Ability to communicate effectively in English, both orally and in writing
• Visually able to perform activities such as preparing and analyzing data and figures, viewing a computer terminal, and extensive reading
• Ability to sit for extended time periods
• Sufficient manual skill for operation of PC keyboard and other standard office equipment
• Ability to travel, including occasional overnight travel
• Ability to exert minimum amounts of force occasionally to lift, carry, push, pull or move objects

5-8 years of related experience

Does this position require a valid Drivers License? No

General and business knowledge equivalent to a bachelor’s degree

Certification in…