CRA Officer

oceanbank· BSA/Compliance
Apply Now ↗
🌍 Remote📍 Miami, FL, USFULL TIME

About this role

Overview

Ocean Bank is looking for a relationship-driven CRA Officer to lead the bank’s Community Reinvestment Act (CRA) compliance strategy and support a strong culture of regulatory excellence. This is an opportunity for a compliance professional who thrives in a dynamic banking environment and brings expertise in CRA, Fair Lending, HMDA, ECOA, and consumer compliance.   The CRA Officer partners with leadership and cross-functional teams to monitor performance, strengthen controls, support examinations and audits, and help advance the bank’s community development and compliance objectives.  The ideal candidate is analytical, proactive, collaborative, and passionate about balancing regulatory compliance with meaningful community impact.

 

Responsibilities

  • Lead and monitor the bank’s CRA program to support ongoing regulatory compliance and performance objectives.
  • Review and analyze CRA, HMDA, ECOA, Fair Lending, and related consumer compliance activities to identify trends, risks, and opportunities for improvement.
  • Partner with internal stakeholders to evaluate community development investments, donations, and service activities for CRA consideration and documentation.
  • Support and coordinate regulatory examinations, internal audits, and compliance reviews, including preparation of responses and supporting documentation.
  • Provide guidance, training, and subject matter expertise to business units on lending compliance requirements and regulatory expectations.
  • Assist in developing, enhancing, and maintaining compliance policies, procedures, monitoring reports, and risk assessments.
  • Prepare reporting and materials for management committees and help promote effective governance of CRA and consumer compliance initiatives.
  • Review and respond to consumer complaints as needed.
  • Review lending and other related advertising and marketing materials.
  • Responsible for attending regulatory, professional/trade and civic association meetings held related to CRA/HMDA/ECOA/Fair Lending compliance.
  • Serve as a trusted compliance partner by helping address regulatory questions, consumer complaints, and emerging compliance matters.

Qualifications

Education/Experience:

Requirements

  • Bachelor’s degree in Business (Finance, Economics or Accounting).
  • 7+ years of experience directly related to CRA/HMDA/ECOA/Fair Lending compliance administration.
  • 3+ years in a supervisory or managerial position
  • Extensive knowledge of consumer regulations, including but not limited to: Community Reinvestment Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act, Unfair and Deceptive Practices Act, Fair Housing Act, Fair Lending Interagency Statements, TRID, RESPA and TILA.
  • Periodic travel may be required to the branches and to outside organizations.

    • Combination of education and experience will be considered. 

     

    Skills & Competencies

  • Proven ability to develop and manage community programs.
  • Experience with managing the CRA Compliance Examination process and proactively engaging with regulators.
  • Ability to use sound judgment and make critical decisions regarding CRA compliance with minimal supervision.
  • Experience with data analysis and reporting.
  • Knowledge of banking products and services.
  • Ability to understand and implement job related policies and procedures.
  • Must have strong familiarity with regulatory banking environment and banking regulations.
  • Must possess excellent verbal and written communication skills, interpersonal and organizational skills.  
  • Highly self-motivated, self-directed, and attentive to detail.
  • Proficiency in MS Office Software, (Excel, Word, Outlook, Power Point, and Teams).  

    •  

    Preferences

    • None

     

    Licenses/Certifications

    • None

    Job Posting Locations

    In this role you can work remote from Miami, Florida, United States

    Frequently Asked Questions

    Is the salary disclosed for the CRA Officer position at oceanbank?
    The salary for this CRA Officer role at oceanbank is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
    Is the CRA Officer job at oceanbank remote?
    Yes, this CRA Officer position at oceanbank is remote, with team members based in Miami, FL, US. You can work from home or anywhere in the supported regions.
    Is the CRA Officer role at oceanbank full-time or part-time?
    This is listed as a FULL TIME position. It is posted as a CRA Officer role in the BSA/Compliance department at oceanbank.
    Which team or department does the CRA Officer at oceanbank belong to?
    This CRA Officer position is part of the BSA/Compliance department at oceanbank. See the full job description for more information about the team structure and responsibilities.
    How do I apply for the CRA Officer position at oceanbank?
    Click the "Apply Now" button on this page. You will be redirected to oceanbank's official application portal hosted on icims where you can submit your application directly.
    When was the CRA Officer job at oceanbank posted?
    This CRA Officer position at oceanbank was posted on Jun 26, 2024. Apply as soon as possible — early applications are often reviewed first.
    VP; Relationship Manager - WM
    oceanbank
    View →
    FULL TIME
    📍 Miami
    VP; Relationship Manager - WM
    oceanbank
    View →
    FULL TIME
    📍 Miami
    Merchant Sales Officer
    oceanbank
    View →
    FULL TIME
    📍 Miami
    VP; Branch Manager
    oceanbank
    View →
    FULL TIME
    📍 —
    VP; Branch Manager
    oceanbank
    View →
    FULL TIME
    📍 Los Angeles
    Creative Marketing Coordinator
    oceanbank
    View →
    FULL TIME
    📍 Miami
    CRA Officer
    oceanbank
    Apply for this role ↗

    You'll be redirected to oceanbank's official application page on icims.