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Risk and Compliance Officer Program Management Job Description

Job Category Legal & Compliance Job Location Troy, Michigan; Saint Cloud, Minnesota; Roanoke, Virginia

About Us

We are more than a specialty finance company providing debt recovery solutions for consumers. We are a global team of over 4,000 employees whose daily mission is to empower consumers to begin their path towards financial recovery and build a better life for themselves and their families. We know that the only way to support this mission is by hiring exceptional people who bring a diversity of ideas, a collaborative spirit, and a passion for attaining breakthrough results.  If you are results-driven, have a passion for helping others, and thrive in an innovative environment, this might be the right place for you!

About the Role

The Risk and Compliance Officer is responsible for promoting a culture of compliance by executing the Company's compliance strategy, as defined by the Compliance Management System. The primary responsibilities of this role are to coordinate activities and execute on all components of the Risk Management Framework and maintain Compliance Program processes. The ideal candidate would possess advanced program management skills to ensure they can maintain multiple processes and business interactions concurrently.

This role requires sound compliance and control skills to assist in identifying, establishing, and executing against compliance-related priorities.  A successful candidate will demonstrate thoughtful judgment in strategic management of compliance initiatives, and efficient, effective operational coordination.

The Risk and Compliance Officer:

  • coordinates and executes on all components of the Risk Management Framework;

  • partners with various departments to track and monitor implementation of new or changed laws and regulations;

  • promotes a strong Risk and Compliance culture through creative branding and awareness campaigns;

  • maintains processes to ensure proper implementation of the Policy Management Framework;

  • maintains the annual Compliance training schedule ensuring timely deployment of Compliance training courses;

  • assists with managing issuer audits, regulatory exams, and internal audit requests;

  • prepares custom reports and presentations for the Chief Risk and Compliance Officer, Senior Management, and various committees; and

  • performs other Risk and Compliance services and projects as appropriate.

Business Partnering: Works with management to establish an appropriate compliance culture throughout the company including, direct on-going consulting with stakeholders, reviewing and assessing documents, business practices and procedures including training content against compliance requirements. Promotes understanding of key regulations by translating compliance and legal requirements into business requirements and by educating various business units and team members in applicable relevant federal guidelines.

Examination Prep & Regulatory Issues: Assist with preparation, coordination and execution for regulatory examinations, bank audits, and regulatory action items through meeting attendance, information gathering and issue follow-up; manage examinations, including assisting regulators with understanding business functions and providing relevant information in partnership with Corporate Legal.

Issue Management: Works on compliance special projects, such as monthly trend reporting, analysis of issues, performs root cause analysis, escalates as necessary, remediation for issues not being addressed timely or completely to ensure compliance.

Policies & Procedures: Develop, manage and maintain corporate compliance policies and procedures to ensure the Company abides by the necessary rules and regulations. Reviews business policies and procedures for compliance implications.

Risk Assessment / Compliance Reviews & Audit: Design, plan and conduct risk assessments around specific regulations and related processes. Perform compliance testing, work in conjunction with Risk Audit teams to validate compliance risks, audit, testing, reporting and remediation.

Required

  • Bachelor's; Flexible
  • 3 or more years of relevant business Compliance experience in a highly regulated industry
  • Advanced PowerPoint, Word, Outlook, and Excel skills required
  • Excellent interpersonal and communication skills



Preferred

  • Financial services; experience withADA, FCRA, FDCPA, EFTA, TCPA, GLBA, SCRA, UDAAP, particularly as applied to debt servicing and collections

  • Project, program, or process management experience preferred

What We Offer

We understand the important balance between work and life, fun and professionalism, and corporation verse community. We strive to support your career aspirations and provide the benefits you need to live a more fulfilling life.

Our compensation and benefits programs were created with an 'Employee-First Approach' focused on supporting, developing, and recognizing YOU.  We offer a wide array of wellness and mental health initiatives, support volunteerism, and environmental efforts, encourage employee education through leadership training, skill-building, and tuition reimbursements, and always strive to provide promotion opportunities from within.

All these things are just a small way to show our employees that we recognize their value, we understand what is important to them, and we reward their contributions.

Encore Capital Group and all of its subsidiaries are proud to be an equal opportunity employer and value diversity at our company. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application and/or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation at Talent@mcmcg.com.

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