Fair Lending Compliance Lead

At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Get to know us:  About - Gesa Credit Union

Under the direction of the VP of Compliance, the Fair Lending Compliance Lead is responsible for developing, administering, and monitoring the Credit Union’s Fair Lending Program and supporting compliance oversight for residential real estate, consumer, commercial, and small-business lending activities. This role evaluates lending products, servicing, collections, marketing, and related business practices for compliance with applicable federal and state laws and regulations, with a primary emphasis on fair lending. Serving as a second line of defense, the position partners with lending business units to identify regulatory risks, provide guidance, support corrective action, and promote effective compliance practices across the organization.

1. Develop, administer, and maintain a sustainable Fair Lending Program, including program documentation, policies, procedures, reporting, data inputs, monitoring activities, and related best practices
2. Partner with lending business units to identify and evaluate compliance risks associated with new or modified products, services, underwriting, pricing, servicing, collections, marketing, systems, controls, policies, and procedures
3. Design and execute fair lending risk assessments, statistical monitoring, data analysis, regression analysis, file reviews, and comparative file reviews to assess compliance with fair lending laws, regulations, guidance, and internal program expectations
4. Administer fair lending software and related business applications; analyze reports, maintain tracking tools, and support accurate, timely reporting of fair lending compliance matters
5. Prepare periodic reports, dashboards, and updates for the VP of Compliance, executive leadership, Audit Committee, Board of Directors, and other governance groups, as appropriate
6. Serve as a subject matter expert and compliance resource for lending-related laws and regulations, including HMDA, Regulation Z, RESPA, mortgage servicing, FCRA, ECOA, Fair Housing Act, SAFE Act, Flood Disaster Protection Act, Fair Debt Collection Practices Act, and Homeowners Protection Act
7. Research, analyze, interpret, and apply lending regulations and regulatory guidance; provide practical recommendations to business partners and management regarding compliance requirements and risk mitigation
8. Review lending-related marketing materials, promotional campaigns, media, solicitations, disclosures, and member-facing communications for compliance with applicable federal and state requirements prior to release, when applicable
9. Conduct internal compliance reviews, self-assessments, and monitoring activities as part of the second line of defense; communicate requirements, coordinate requested materials, document results, and track findings through resolution
10. Coordinate or support fair lending, state, and federal compliance audits and examinations; serve as a liaison when appropriate and monitor corrective actions through final resolution
11. Review and resolve fair lending and lending related member complaints and identify potential trends or recurring issues
12. Support the Credit Union’s regulatory risk assessment process by identifying gaps, recommending solutions, and working with departmental stakeholders to implement approved corrective actions
13. Assist with vendor compliance monitoring, disclosure updates, quality control, and other compliance programs or projects related to lending and consumer regulatory requirements
14. Participate in project teams as a compliance resource for technology implementations, process improvements, procedure updates, and training development related to lending activities
15. Develop and deliver fair lending or lending compliance training for new and existing team members, as requested
16. Monitor regulatory changes, distribute relevant information to impacted departments, assess implementation progress, and maintain current knowledge of applicable state and federal laws and regulations
17. Keep the VP of Compliance informed of key operating issues, emerging risks, programming status, and matters affecting areas of responsibility
18. Comply with all applicable laws, regulations, and Credit Union policies and procedures
19. Perform other job-related duties as assigned by the VP of Compliance or designee

1. Maintain strong knowledge of banking and credit union laws, regulations, and regulatory guidance, including ECOA/Regulation B, Fair Housing Act, Interagency Fair Lending Guidelines, HMDA/Regulation C, Regulation Z, RESPA, mortgage servicing requirements, FCRA, SAFE Act, Flood Disaster Protection Act, Fair Debt Collection Practices Act, and Homeowners Protection Act
2. Excellent organizational skills, including the ability to manage multiple ongoing assignments, meet deadlines, and demonstrate strong follow-through
3. Ability to understand and apply regulatory reporting requirements relevant to assigned responsibilities
4. Exhibit strong verbal and written communication skills by clearly conveying complex compliance information and updates to team members. Foster open dialogue to ensure understanding and address compliance concerns effectively
5. Exhibit mathematical and analytical skills necessary to interpret data effectively, supporting informed decision-making and accurate report generation. Perform detailed data analysis with precision and accuracy and identifying trends and issues and formulating effective solutions
6. Demonstrate sound judgment, critical thinking, and analytical skills to identify compliance issues, assess risk, interpret data, and develop practical recommendations
7. Develop, review, and revise policies, procedures, and process recommendations in collaboration with management and business partners
8. Maintain strict confidentiality, exercise integrity, and uphold ethical standards when handling sensitive member, personnel, financial, and compliance information
9. Work independently while collaborating effectively with team members, departments, and business partners to support compliance initiatives and operational objectives

1. Bachelor’s degree and four (4) or eight (8)  years of banking or credit union experience in the area or fair lending or lending areas would be accepted in lieu of a degree
2. One (1) or more compliance certification required (e.g., CRCM, CRCP, CUCE, NCCO, or CUCS)
3. Some travel may be required for Credit Union training or approved professional development

In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year of Paid Time Off – Plus 10 Paid Holidays!
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs

*While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications.  This approach gives room to grow within the role as your career progresses with us!"

Get wise to what’s possible with a career at Gesa. Join us!

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or [email protected] to request an accommodation.

Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.

Selected candidate(s) must be able to pass a pre-employment credit/background check.

Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.

Equal Employment Opportunity (gesa.com)