To monitor, research, analyze, and interpret relevant local, state, and federal law and other regulatory authority related to collections practices to ensure Navy Federal policies and practices comply with applicable legal and regulatory requirements in an efficient and professional manner consistent with Navy Federal policy and expectations.
Responsibilities- Supports business unit partners in formulating and analyzing policies and procedures and other operational materials that comply with local, state, federal and other regulatory authority
- Monitors changes in local, state, and federal regulations, legislation, and agency rulemaking
- Conducts research and analysis of local, state and federal legislation, regulations, case law, agency rules, regulatory and examiner opinions, and trade association publications and communicates analysis recommendations orally and in writing to management and business unit partners on complex positions and courses of action consistent with operations, strategic plan and organizational mission
- Reviews risk assessments, draws conclusions, develops solutions and alternatives, and makes recommendations to management
- Develops and maintains compliance databases, matrices and trackers; and other resources and materials for the compliance library
- Conducts compliance reviews across business units, advises management of findings and recommends corrective actions
- Participates/conducts compliance training sessions with business units
- Functions as a liaison between departments on compliance matters
- Assists Senior Compliance Officers and management in preparing responses to regulators, internal and external audits and management inquiries
- Reviews and assists Compliance partners and business units in preparing responses to regulatory member complaints
- Ensures timely completion of required compliance and other training and tracks own attendance
- Leads effective and collaborative project teams, facilitates/coordinates project work within and across business units, partners with technical project lead as appropriate, ensures project deadlines are met and implementation achieved
- Advises management of potential risk to the enterprise & recommends mitigation strategies
- Reviews, drafts, and approves member facing communication ensuring compliance with applicable local, state and federal laws
- Performs other related duties as assigned
- Compliance or legal analysis experience or demonstrable knowledge in lending and collections including but not limited to the Fair Debt Collections Practices Act (FDCPA), Unfair, Deceptive, Abusive Acts or Practices (UDAAP) standards; Equal Credit Opportunity Act; Truth in Lending Act; Fair Credit Reporting Act; Real Estate Settlement Procedures Act; Telephone Communications Practices Act and applicable local and state collection laws and regulations
- Demonstrated ability to analyze statutes, regulations and case law, determine applicability or exceptions and apply relevant facts
- Knowledge of research methods and practices as demonstrated by successful research, writing and/or educational experience in a relevant subject matter area
- Strong interpersonal communication and persuasion skills
- Ability to digest information and effectively present findings and conclusions clearly and concisely, both orally and in writing
- Proficiency in using research tools (Lexis, Westlaw, etc.) and internet-based technology to conduct legal research
- Experience in leading collaborative work teams
- Effective oral and written presentation skills
- Bachelor's Degree in a related field, or the equivalent combination of education, training, and experience
Desired Qualifications
- Possess the Certified Compliance Officer (NCCO) or Certified Credit Union Compliance Officer (CUCO) designation or the ability to obtain the certification within the first year of employment
- Knowledge and experience in collections, bankruptcy, repossessions, secured property, enforcement of liens, foreclosure or litigation
- Compliance or legal analysis experience from prior employment in federal financial institutions and/or in regulators of federal financial institutions, private law or consulting firms
- Knowledge of current compliance issues in the financial services industry
- Knowledge of federal credit union operations, processes and procedures
Additional Information
Hours:
- Monday - Friday, 8:00AM - 4:30PM
Location:
- 820 Follin Lane, Vienna, VA 22180
- 5510 Heritage Oaks Drive, Pensacola, FL 32526
- 141 Security Drive, Winchester, VA 22602
Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.
Our approach to careers is simple yet powerful: Make our mission your passion.
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From Fortune. ©2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.
Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.
Accommodations: If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at [email protected] or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.
Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team’s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.
Protect Yourself from Job Scams: Navy Federal Credit Union jobs are posted on our career site, jobs.navyfederal.org and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process.
Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.
Skills Required
- Compliance or legal analysis experience, or demonstrable knowledge of lending and collections regulations, including FDCPA, UDAAP, ECOA, TILA, FCRA, RESPA, TCPA, and applicable local and state collection laws
- Ability to analyze statutes, regulations, and case law; determine applicability or exceptions; and apply relevant facts
- Knowledge of research methods and practices demonstrated through research, writing, or relevant educational experience
- Strong interpersonal communication and persuasion skills
- Ability to present findings and conclusions clearly and concisely, orally and in writing
- Proficiency with legal research tools such as Lexis and Westlaw, and internet-based research technology
- Experience leading collaborative work teams
- Effective oral and written presentation skills
- Bachelor's degree in a related field, or equivalent education, training, and experience
- Certified Compliance Officer or Certified Credit Union Compliance Officer designation, or ability to obtain certification within the first year
- Knowledge or experience in collections, bankruptcy, repossessions, secured property, lien enforcement, foreclosure, or litigation
- Compliance or legal analysis experience in federal financial institutions, federal financial regulators, private law firms, or consulting firms
- Knowledge of current compliance issues in the financial services industry
- Knowledge of federal credit union operations, processes, and procedures
Navy Federal Credit Union Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Navy Federal Credit Union and has not been reviewed or approved by Navy Federal Credit Union.
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Retirement Support — A pension alongside a strong 401(k) match and additional retirement programs makes long‑term value a standout element of the total package. This combination is positioned as a differentiator among private employers.
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Healthcare Strength — Comprehensive medical, dental, and vision coverage is complemented by on‑site health services at major campuses. Wellness resources and typical offerings like an EAP broaden the health support available.
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Parental & Family Support — Paid parental leave, plus adoption and surrogacy assistance, indicate meaningful support for growing families. Education assistance further extends family and life‑stage support.
Navy Federal Credit Union Insights
What We Do
Navy Federal Credit Union is the world's largest credit union with over 12 million members, over $160 billion in assets and over 22,000 employees. As a credit union, we have members, not customers. At our campuses in Vienna, VA, Pensacola, FL and Winchester, VA, and in our more than 350 branches, we serve the men and women of the Armed Forces, Department of Defense, veterans and their families. We deliver world-class service, rooted in the belief that it is an honor and privilege to serve our members. We are committed to providing our members outstanding financial products and services. Navy Federal offers a career, not just a job. We are proud of the robust Total Rewards package we offer to our employees, including competitive salaries, incentive programs, comprehensive medical, dental and vision benefits, retirement plans with employer match, award-winning training programs, professional development programs, tuition assistance, paid leave, and work/life programs. Federally insured by NCUA. Equal opportunity employer. Android™ is a trademark of Google, Inc. iPhone® is a registered trademark of Apple, Inc. iPad® is a registered trademark of Apple, Inc. App Store(SM) is a service mark of Apple, Inc. Message and data rates may apply. FORTUNE and 100 Best Companies to Work For are registered trademarks of Time Inc., and are used under license. FORTUNE and Time Inc., are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union. For more info, visit navyfederal.org
