The role
will also provide strategic direction, subject matter expertise, and oversight for the broader fair banking practices and consumer complaints.
This leader will partner with lines of business, compliance, risk and legal teams to proactively identify risks, provide credible challenge, and implement sustainable solutions. The successful candidate will bring deep fair lending, responsible banking and complaints oversight regulatory expertise, analytical acumen, and a passion for embedding responsible banking concepts into financial products, services, and operations.
What you’ll do : Strategic Leadership
- Develop and lead the bank’s Fair and Responsible Banking program, ensuring alignment with regulatory requirements, enterprise risk appetite, and core values
- Serve as the enterprise subject matter expert on fair lending, UDAAP, and related consumer protection laws (e.g., ECOA, FHA, regulatory guidance)
- Provide strategic and operational leadership to the Fair Lending Advisory, Fair Lending Analytics, Responsible Banking, and Complaints Management Oversight teams
- Build, lead, and mentor a team of highly experienced compliance professionals and data scientists focused on all aspects of fair and responsible banking
Fair Lending Advisory
Maintain and execute the fair lending programLead a team of experienced fair lending officers to execute the programAct as subject matter expert to both the first and second lines, regarding fair lending risk and oversight expectationsAdvise compliance, risk, product, credit, marketing, etc., teams on fair lending risks across the lending lifecycleDesign and execute the fair lending risk assessmentDesign and execute fair-lending related review and monitoring activityEnsure appropriate and effective fair lending training across the organizationFair Lending Analytics
Maintain and execute the fair lending analytics programLead a team of data scientists to execute the programAct as subject matter expert to both the first and second lines regarding fair lending analytics and ongoing monitoring processes and oversight expectationsOversee the use of advanced statistical and analytics tools to detect and monitor fair lending riskResponsible Banking
Maintain and execute the responsible banking programLead a team of responsible banking officers to execute the programDesign and execute the responsible banking risk assessmentAct as subject matter expert to both the first and second lines regarding responsible banking risk and oversight expectationsEnsure appropriate and effective responsible banking training across the organizationComplaints Management
Oversee the enterprise complaints management program, ensuring robust intake, analysis, resolution, and escalation processes.Analyze complaint trends to identify systemic issues and opportunities for product or service enhancementsImplement effective regulatory complaint response policiesReport findings to senior management and help drive root-cause remediation effortsGovernance, Reporting, and Regulatory Engagement
Prepare and present reports, metrics, and risk assessments to the Board, Risk Committees, and regulatorsLead responses to regulatory examinations, inquiries, and feedback related to fair and responsible banking and complaints oversightWhat you’ll need :
Deep, applied knowledge of federal and state fair lending and consumer protection laws and regulations (e.g., ECOA, FHA, UDAAP, etc.)15+ years directly leading fair lending and responsible banking programs at mid to large sized national banks10+ years directly leading fair lending analytics teams10+ years applying fair lending concepts to mortgage products and processes (additional experience in the 1LOD preferred)10+ years applying fair lending concepts across multiple other products and processes (personal loans, student lending, card, auto)10+ years applying responsible banking concepts across a broad range of banking and financial products and services7+ years directly leading enterprise complaints oversight programs and broad understanding of a range of associated regulations (Reg E, Reg Z, Reg DD, etc.)Proven ability leading large, highly experienced, teams of compliance officers and data scientistsSignificant experience leading relationships with regulatory agencies (e.g., CFPB, OCC)Strategic thinker with strong solutions-focused business acumen and ability to influence across all levels of the organizationProven ability to build collaborative relationships with cross-functional partnersStrong written and verbal communication skills.Comfortable presenting to and advising executive leadership and regulatorsHigh integrity, ethical judgment, and commitment to advancing financial inclusion and fairnessExperience operating in a fast-paced, growth-oriented companyNice to have :
Bachelor’s degree or advanced degree in related fieldExperience working in a bank 1LODCertification in compliance or risk management (e.g., CRCM, CCEP, FRM).Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
Pay range : $182,400.00 - $313,500.00
Payment frequency : Annual
This role is also eligible for a bonus, long term incentives and competitive benefits. More information about our employee benefits can be found in the link above.