Sr Designated Compliance Analyst SDCA

J  o  b    D  e  s  c  r  i  p  t  i  o  n

THE DETAILS

Job Code:

11819

Grade:

24S

Status:

Exempt

POSITION AND PURPOSE

The Senior DCA will support G1's Compliance Advisory Services team in maintaining and ensuring adherence to federal and state regulations. In addition to consumer protection, this position supports the credit union's compliance with applicable consumer privacy and data protection requirements (GLBA/Regulation P., FCRA, and CCPA) The Analyst will play a key role in the development, implementation, and Second Line (2LOD) oversight of compliance policies and procedures. This position will collaborate closely with the First Line (1LOD) business units to ensure compliance practices meet regulatory requirements and uphold the credit union's high standards.

This position has an opportunity to work in a dynamic and fast-paced environment, where the contributions will directly impact G1's compliance posture and operational success of G1. Compliance Advisory Services is a 2LOD function providing support within Compliance organization and oversight for 1LOD functions where applicable. This position has the authority to investigate and report regulatory compliance concerns or findings to management and make recommendations for further consideration and corrective action.

WHO WE ARE

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE

You are a compliance-focused professional who serves as a trusted advisor and second line of defense, helping ensure adherence to federal and state regulations across the organization. You partner closely with business units to develop, implement, and oversee compliance policies, procedures, and controls, while providing independent guidance and oversight to mitigate regulatory risk. In a fast-paced environment, you investigate compliance concerns, assess potential risks, and make recommendations that strengthen the organization's compliance posture and support operational success. While the team’s primary focus is consumer protection, this role also supports the credit union’s consumer privacy and data protection obligation.

THE WORK

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Monitor and analyze applicable regulations at the federal and state levels (e.g., Reg Z, Reg B, HMDA, ECOA, TILA, RESPA, TISA, Reg CC, Reg E).

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Provide 2LOD advisory and oversight on consumer privacy and data protection requirements (GLBA/Regulation P., FCRA, and CCPA/CPRA), including privacy notices, opt-out/limit rights, permissible information sharing, and check & Challenge of 1LOD privacy controls.

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Provide proactive compliance guidance to business units (1LOD) through ongoing advisory services, projects, marketing reviews, etc.

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Analyze new or amended regulations, including complex cases, impacting business activities, communicate relevant changes to 1LOD and provide 2LOD oversight through an established Regulatory Development Process.

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Provide subject matter expertise in the development of corporate compliance policies and provide alignment confirmations to 1LOD teams.

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Active participation in annual and ongoing risk assessment campaigns as a Subject Matter Expert, including complex risk areas, providing effective check & challenge to 1LOD teams.

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Develop compliance training content to ensure understanding and adherence to applicable regulations, with a focus on areas of higher compliance risk.

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Review and work with 1LOD impacted teams on resolving complex and high-risk compliance-related complaints from members regarding credit union’s products and services.

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Participate in preparation of compliance reports for senior management and regulatory bodies.

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Understand core business activities, risks, and products, to effectively guide 1LOD teams and support the Credit Union’s Compliance Program.

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Collaborate with other compliance teams to ensure harmony in approach to compliance matters and processes.

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When assigned, play an active role with regulators during exams, audits, and other regulatory interactions.

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Provide guidance and support on projects and initiatives, with a focus on those which pose a higher level of compliance risk and complexity.

QUALIFICATIONS

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Bachelor’s Degree or equivalent work experience required

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7+ years as a Financial Services experience in consumer protection regulatory compliance, internal audit, external audit, financial services operations, or consumer protection compliance program development/evaluation required

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7+ years 7+ years of consumer privacy and data protection laws and regulation (GLBA/Regulation P, FCRA, and CCPA/CRPA) and their application to credit union products, serivces, and information sharing required

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Extensive knowledge of compliance laws, rules, regulations.

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Extensive knowledge of privacy and data protection laws and regulations (GLBA/Regulation P, FCRA, and CCPA/CPRA) and their application to credit union’s products, services, and information sharing.

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Ability to communicate at a management level (oral and written) and work well with others in a dynamic team environment.

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Ability to work independently with minimal direction and exhibit initiative.

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Organizational skills and ability to manage multiple contemporaneous matters.

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Comfortable operating on an unpaved road and dealing with ambiguity.

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Strong judgment of priorities and high integrity.

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Proficiency in Microsoft Word, Excel, and PowerPoint as well as Adobe Acrobat Pro and SharePoint.

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Certification preferred, but not required; Credit Union Compliance Expert (CUCE), NAFCU’s Certified Compliance Officer (NCCO), Certified Bank Compliance Officer (CBCO), Certified Regulatory Compliance Manager (CRCM), Certified Anti-Money Laundering Specialist (CAMS), Certified Information Privacy Professional (CIPP) preferred

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Takes Initiative - Owns tasks and responsibilities 

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Delivers Results with Agility - Meets deadlines and adapts

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Collaborates Across Teams - Works well within the team Solves Problems Proactively

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Handles day-to-day challenges Builds Trust and Credibility - Demonstrates reliability 

ORGANIZATIONAL CONTACTS AND RELATIONSHIPS

INTERNAL:

All levels of management and staff.

EXTERNAL:

Vendors and peer groups, legal counsel, regulators

WORKING CONDITIONS

Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient.

PHYSICAL REQUIREMENTS

Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

DECLARATION/ACKNOWLEDGEMENT

This job description outlines the essential functions and physical/mental requirements necessary to perform this role. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.