Sr Compliance Analyst - Testing

Senior Compliance Analyst - Testing

What makes an AFF Senior Compliance Analyst - Testing:

The Senior Compliance Analyst will be responsible for the execution of second-line compliance testing and risk identification to ensure compliance with consumer protection laws and regulatory requirements as well as the Company’s policies and procedures. The Senior Compliance Analyst will complete all phases of compliance testing including planning, scripts, scope, execution and reporting to business owners and other stakeholders. This role will create and retain well-documented test work papers and reports related to risks, root cause analysis, and potential corrective action.

What we offer:

Competitive Compensation!

Paid Time Off, 401K Matching, Medical, Dental, and Vision Benefits!

High-growth organization with advancement opportunities!

Diverse, Collaborative, & Fun Work Environment!

Roles and Responsibilities:

Perform all testing phases of the compliance review process, with little oversight, to assure compliance with complex policies, processes, and associated consumer protection laws and regulations.

Provide in-depth, objective, and accurate compliance analysis and high-quality supporting test reports, workpapers, and documentation.

Review processes and controls, identify risks, and effectively recommend risk-based improvements as needed in conjunction with applicable legal and regulatory requirements.

Maintain strong knowledge of consumer lending, credit, financing, and leasing compliance regulations (both State and federal), industry standards, and regulatory best practices.

Assess the design and effectiveness of controls implemented to mitigate the applicable consumer compliance risks.

Collaborate with various levels across the business to build relationships and have a strong understanding of the business units and processes to resolve control weaknesses and identified risks.

Effectively communicate the testing scope, approach, results, and actions to the business lines, executive team, and other stakeholders.

Help to coordinate requested materials for internal or external audit and regulatory compliance examinations as requested.

Assist the Testing and Monitoring Compliance Director and team with other tasks as needed.

Qualifications:

4+ years of professional work experience in consumer regulatory compliance, internal audit, compliance testing, or risk management

Bachelor’s degree. Four additional years of directly related legal, or compliance risk may be considered in lieu of Bachelor’s Degree

Strong knowledge of applicable State and federal consumer compliance regulations and laws (e.g., TILA, FCRA, SCRA, MLA, TCPA, UDAAP)

Advanced Microsoft Office skills including Word, PowerPoint, and Excel

Experience with SQL queries a plus

Strong verbal and written communication skills

Interest in technology, consumer finance, and improving consumer credit products (including but not limited to servicing state-chartered FDIC insured Bank originated loans, purchase and servicing of Retail Installment Sales Agreements (RISA), and/or Lease-to-Own)

Ability to issue-spot, investigate and identify root cause, and problem-solve

Exceptional judgment, analytical skills and keen attention to detail required

Ability to collaborate cross-functionally with, and communicate complex regulations to business partners

Team player with the ability to balance competing priorities and work in a fast-paced environment

Bonus Skills:

Bilingual English and Spanish

Previous experience in consumer finance

Note: The information contained in this description is not intended to be an all-inclusive list of the duties and responsibilities of this job or the skills and abilities required to do the job. Management has the discretion to assign/reassign duties and responsibilities to this job at any time. Duties and responsibilities may be subject to change at any time due to reasonable accommodation or other reasons.

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FirstCash Holdings, Inc. is an Equal Opportunity Employer

FirstCash Holdings, Inc. is committed to the full inclusion of all qualified individuals. In keeping with this commitment, FirstCash will ensure that individuals with disabilities are provided with reasonable accommodation. Accordingly, if a reasonable accommodation is required to fully participate in the job application or interview process; to perform the essential functions of the job; and/or to receive all other benefits and privileges of employment, please contact Human Resources at or Ext. 1