Regulatory Support Sr. Associate

Business Control Office Dallas, Texas


Job Family: Risk

Monitors activities to minimize the company's exposure to risk. Activities may include quantitative analysis, risk identification and remediation. Represents or supports the reputation of the company to minimize compliance and regulatory risk by resolving issues and ensuring adherence to company and legal standards. Responsible for ensuring that all of the company's activities adhere to the necessary rules and regulations, and that the company complies with legal/regulatory statutes and jurisdictions.

Job Function: Compliance

Monitors activities to minimize the company's exposure to risk. Activities may include quantitative analysis, risk identification and remediation. Represents or supports the representation of the company to minimize compliance and regulatory risk by resolving issues and ensuring adherence to company and legal standards. Responsible for ensuring that all of the company's activities adhere to the necessary rules and regulations, and that the company complies with legal/regulatory statutes and jurisdictions.

Summary of Responsibilities:

The Regulatory Compliance Advisor performs a key risk management role by assisting the Director of BCO Governance and Oversight in providing regulatory and compliance advisory support to the Risk Control and Self-Assessment (RCSA) team within the FLoD.  The Advisor will partner with the RCSA team in: (1) understanding business activities and operations within each business processes, (2) identifying all of the applicable federal and state laws and explaining the regulatory requirements, (3) crafting risk statements that reflect the regulatory exposures, and (4) evaluating the existing controls to determine if they sufficiently mitigate the regulatory risks identified.   The Advisor will work with the RCSA team to effectively challenge business processes to comply with applicable consumer laws and regulations and draft action plans for RCSA findings and observations.

Essential Functions:

  • Provide regulatory and control guidance regarding business practices, key decisions, policies, processes and, standards.
  • Assess operational breakdowns for compliance risk and provide guidance on remediation/recovery plans.
  • Perform risk-based reviews of business line control design and execution effectiveness and provide guidance on identified risks or gaps.
  • Develop review procedures, including tools/templates necessary to complete reviews (i.e. review check list, official report of review, etc.).
  • Work closely with the Lines of Business (“LoB”) to understand risk points and key challenges within the FLoD, as well as documentation of any related issues noted during the review.
  • Identify requirements to provide direction for the technical build out and/or support of databases, queries, reporting tools, dashboards, etc. that enable analysis and complete and accurate reporting for the Strategic Operations Governance and Oversight team.
  • Stay abreast of regulatory issues, developments, changes, and industry emerging trends pertinent to SC
  • Collaborating with Director and the LoB on implementation and risk mitigation efforts.
  • Compares practice with regulatory and internal requirements to identify variances.
  • Discuses and validate findings with management.
  • Prepare and present conclusions and recommendations to management.
  • Perform other duties as assigned.

Other Functions:

  • Acts as a subject matter expert (SME) while providing leadership, guidance, and mentorship to other team members.
  • Other duties as assigned.


  • Education -
    • Bachelor's Degree: Business, Finance, or equivalent field.
    • or equivalent work experience
    • Master's Degree: Business, Finance, or equivalent field.
  • Experience -
    • Bachelor's degree with business related or similar focus required.
    • 9 to 12 years in regulatory compliance, risk management or similar experience in financial service industry or regulatory agency preferred.
    • One (1) to three (3) years management experience in financial services compliance preferred.
    • Prior experience in corporate environment dealing with regulators, auditors and legal counsel is preferred.
    • Knowledge of regulatory requirements such as Fair Lending, ECOA (Reg. B), FCRA, UDAAP, TCPA, SCRA, FDCPA, GLBA, Credit CARD Act, Reg. M, FACTA, TILA BSA / AML, and FTC Credit rules.
    • Knowledge of state requirements associated with auto lending / leasing and industry best practices (i.e. UCC, Right to Cure, Right to Redeem, Retail Instalment Sales Act, Motor Vehicle Instalment Sales Act, etc.), preferred.
    • Ability to act proactively to ensure risk management is up-to-date and meets the needs of our business.
    • Strong analytical, technical and problem solving skills, with strong attention to detail.
    • Leadership and organizational skills.
    • High ethical standards.
    • Exceptional verbal and written communication skills.
    • Ability to adapt to various work environments, industries, and project schedules.
    • Ability to work effectively in a team environment with all levels of personnel.
    • Ability to maintain confidentiality.
    • Ability to foster a collaborative working relationship with multiple functional areas, operational areas, and complex business lines.
    • Strong time management skills.
    • Proficient with MS Office; Excel, PowerPoint and Word is essential.

Preferred Skills:

  • Professional certification (CRCM, CIA, and / or CCSA)
  • Juris Doctorate (JD)
  • Five (5) years of Auto lending / leasing compliance experience
  • Three (3) years of experience as a Compliance Consultant, Compliance Examiner with a Regulatory agency, Regulatory Compliance Attorney, etc.
  • Experience with statistical analysis
  • Project Management Certification
  • Skills & Abilities -
    • Advanced knowledge of regulatory compliance, relevant industry regulations and regulatory data sources.
    • Demonstrated experience facilitating change to achieve measurable results.
    • Demonstrated subject matter expertise compliance opportunities and resolution.
    • Commercial awareness.
    • Detail orientated with the ability to also understand overall strategy.
    • Excellent interpersonal, supervisory, and customer service skills required.
    • Excellent written and verbal communication skills
    • Excellent critical thinking skills with the ability to be adept in identifying and resolving complex risk management problems.
    • Excellent project management skills.
    • Ability to build and foster internal relationships.
    • Ability to analyze risk and design efficient control practices to minimize risk.
    • Ability to lead, influence and direct peers, subordinates and management.
    • Ability to make effective decision making on complex matters.
    • Ability to convey a sense or urgency and drive.
    • Ability to multi-task and meet strict deadlines.
    • Ability to adjust to new developments/changing circumstances.
    • Ability to interact with senior level management; experience interfacing with multiple levels of the organizational structure.
    • Ability to build and foster internal and external relationships.
    • Superior analytical, problem solving and critical thinking skills.
    • Self-directed, self-motivated and demonstrated experience providing ideas and solutions to further business understanding.


  • Collaboration - Relationship Management:
    • Advanced - Leading and Guiding
      • Improves relationships between key individuals to achieve seamless cross-team work flow and positively impact results
      • Uses informal networks to gain support for ideas and projects

  • Collaboration - Teamwork:
    • Advanced - Leading and Guiding
      • Brings out the best in each team member by consistently motivating and acknowledging peer contributions
      • Understands and leverages team dynamics

  • Execution - Accountability:
    • Advanced - Leading and Guiding
      • Fully accountable for timeliness, completeness, quality of projects, processes, products and services
      • Remains calm and focused on goals while facing pressures, obstacles or short-term setbacks

  • Influence - Information Sharing:
    • Advanced - Leading and Guiding
      • Ensures people receive the information they require, and brings the team together to share information

  • Influence - Two-way communication:
    • Advanced - Leading and Guiding
      • Effectively conveys difficult or complex information in an easy to understand manner, by providing the big picture and illustrating important linkages
      • Asks open-ended questions that encourage others to give their points of view

  • Risk Business Acumen - Industry Acumen:
    • Advanced - Leading and Guiding
      • Keeps up -to-date with external market events, pressures and regulations which may impact the organization and assesses whether similar issues exist in the organization
      • Can identify functional and organizational implications associated with major trends
      • Designs solutions to address industry activities that impact the organization

  • Risk Management - Knowledge of Risk Management Policies, Regulations, Processes and Procedures:
    • Advanced - Leading and Guiding
      • Monitors adherence to policies, regulations, processes and procedures within function and actively undertakes corrective action where necessary
      • Understands end to end processes across the organization and how processes are integrated
      • Has a practical knowledge of regulations impacting area supported

  • Risk Management - Risk and Compliance Adherence:
    • Advanced - Leading and Guiding
      • Ensures that all directs and colleagues have appropriate knowledge of risk and the regulatory environment
      • Investigates and identifies the root cause and corrects items deemed non-compliant, regardless of pressures from business or management


Working Conditions:

  • Frequently: Minimal physical effort such as sitting, standing, and walking.
  • Occasional moving and lifting of equipment and furniture is required to support onsite and offsite meeting setup and teardown.
  • Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.

Employer’s Rights:

  • This job description does not list all the duties of the job.  You may be asked by your supervisors or managers to perform other duties.  You will be evaluated in part based upon your performance of the tasks listed in this job description.
  • The employer has the right to revise this job description at any time.  This job description is not a contract for employment, and either you or the employer may terminate employment at any time, for any reason.