Compliance Examiner

🔥 17 hours ago

🌽 Illinois, North Carolina, +1 more states – Remote

🌽 Illinois – Remote 🌲 North Carolina – Remote ❄️ Minnesota – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🚔 Compliance

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Aqua Finance, Inc.

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 1985

👥 B2C

💸 Finance

🛍️ eCommerce

B2C • Finance • eCommerce

Aqua Finance, Inc. is a financial services company that specializes in providing consumer financing solutions to facilitate access to various home improvement projects and recreational products. They focus on diverse areas such as water treatment, HVAC systems, pools, spas, and general home renovations, helping dealers and customers make significant life enhancements more affordable. With a commitment to customer service, Aqua Finance partners with dealers to ensure a smooth and transparent financing process for borrowers.

📋 Description

• Conduct consumer compliance reviews, regulatory testing, risk assessments, and issue validation activities • Evaluate business processes and controls for compliance with applicable federal and state consumer finance regulations • Identify compliance risks, document findings, and support remediation efforts • Provide regular status updates to Senior Compliance Examiners and management throughout the review lifecycle • Prepare clear, accurate, and well-documented workpapers that outline testing procedures performed, results obtained, and supporting analysis • Maintain working knowledge of relevant regulatory requirements, regulatory changes, and business initiatives, and understand their potential compliance impacts • Identify compliance risks and control gaps based on testing results and observations, and communicate findings to the review lead • Provide timely status updates on assigned testing activities to management • Contribute to the development of comprehensive and defensible testing reports • Establish and maintain effective working relationships with business partners and internal stakeholders during the course of reviews • Respond to business partner inquiries regarding compliance requirements and regulatory expectations • Review and analyze policies, procedures, workflows, and first-line monitoring activities • Research regulatory and operational questions and summarize findings; provide recommendations or escalate complex issues as appropriate • Develop corrective action recommendations, review management action plans, and validate remediation efforts through issue closure • Support special projects and perform other duties as assigned

🎯 Requirements

• Bachelor’s degree in Business, Finance, Risk Management, Compliance, Legal Studies, or a related field, or commensurate work experience, required • 5 years of experience in financial services, consumer lending, compliance, risk management, internal audit, or related regulatory functions required, including at least 3 years of experience conducting compliance testing • Certified Regulatory Compliance Manager (CRCM) certification preferred • Working knowledge of consumer retail finance regulations, including TILA, ECOA, FCRA, FDCPA, EFTA, ESIGN, GLBA, MLA, SCRA, TCPA, UDAAP, and other applicable federal and state regulations • Strong analytical skills with the ability to interpret regulations and apply them to business processes • Independently plan, organize, and execute assigned testing activities while meeting established timelines and quality standards • Ability to identify trends, emerging risks, and root causes across testing cycles • Strong written and verbal communication skills, including the ability to clearly document findings and present recommendations to stakeholders • Experience developing clear, defensible testing documentation and reports • Ability to influence stakeholders and communicate findings effectively • Experience partnering with legal, risk, audit, and operational teams to resolve compliance issues • Strong organizational skills with the ability to manage multiple priorities and deadlines • Advanced proficiency with Microsoft Office applications (Excel, Word, PowerPoint); experience with Jira, Confluence, compliance management systems, or data analytics tools preferred • Ability to thrive in a fast-paced environment.

🏖️ Benefits

• Health insurance • Professional development opportunities