Senior Compliance Analyst

OUR LEADERSHIP PHILOSOPHY
At Lighthouse Credit Union, we believe all individuals, regardless of position level, are considered leaders. By providing a framework
that balances clarity with adaptability, our Leadership Competencies aim to foster a culture of continuous growth and agile
leadership. Lighthouse Credit Union is committed to embracing change, nurturing leadership talent, and ensuring our performance
management practices are aligned with our vision of fostering a resilient and forward-thinking organization. As such, we all hold
ourselves accountable to the following:

LEADERSHIP COMPETENCIES

Demonstrates Interpersonal Awareness & Skills
A cornerstone of our collaborative work environment, this competency emphasizes effective communication, relationship
building and teamwork. It also supports creating a positive work environment that values individual contributions and
fosters teamwork. As an individual leader, you will demonstrate active listening, clear communication, and contribute
beneficially to team dynamics.

Embraces Change & Learning
This competency focuses on adaptability, personal development and the advocacy and embracing of progressive change.
You will be challenged to explore continuous learning opportunities to achieve excellence and foster a culture of growth and
innovation. As an individual leader, you will actively engage in personal development, embrace change enthusiastically and
support team members in their growth. You will also demonstrate flexibility and adaptability in response to changing
circumstances.

Utilizes Critical & Creative Thinking
Underlining the importance of innovative problem solving, challenging the status quo and strategic thinking, this
competency is vital for driving excellence and leadership. This competency challenges team members to take initiative
beyond one's immediate responsibilities. As an individual leader, you will actively look for and share opportunities for
improvement, show open-mindedness to new ideas and professionally challenge inefficient processes. You will also actively
contribute to defining solutions and promoting innovation.

Takes Personal Ownership
This competency focuses on taking responsibility for performance goals, proactive collaboration, and accountability. It
highlights the significance of each team member taking ownership of their role and contributions while demonstrating
leadership qualities regardless of their position. As an individual leader, you will be actively engaged in setting and achieving
performance goals, take responsibility for personal action and decisions and seek opportunities for self-improvement and
skill development.

POSITION SUMMARY
The Senior Compliance Analyst plays an important role in maintaining and enhancing the Credit Union's Compliance Management
System (CMS). The position provides advanced compliance expertise by conducting compliance monitoring reviews, reviewing
consumer complaints for compliance-related concerns, reviewing marketing materials for adherence with regulatory requirements,
and assisting with regulatory change management. This role ensures that lending, deposit, marketing, and operational activities
comply with applicable federal and state laws and regulations while minimizing legal and reputational risk. The position serves as a
key resource to management and staff and requires strong analytical skills, attention to detail, and the ability to manage multiple
priorities in a fast-paced environment.

ESSENTIAL FUNCTIONS & RESPONSIBILITIES
* Leads compliance monitoring reviews independently or in conjunction with others to assess the effectiveness of internal
controls, policies and procedures; including reviews of adherence to:
* Lending-related regulations
* Deposit-related regulations
* Supervisory guidance and best practices, as applicable to the Credit Union's products and services.
* Evaluates management responses to compliance monitoring reviews for adequacy and effectiveness; and track findings and
validate completion of corrective actions.
* Reviews, approves, and provides guidance on advertising, marketing, and promotional materials to ensure compliance with
regulatory requirements, including print materials/in-branch displays, website content, social media platforms, electronic
messaging/emails and other forms of advertising media.
* Assists business lines in reviewing forms, disclosures, terms and conditions, and other consumer-facing materials for
compliance requirements prior to distribution or implementation.
* Tracks and participates in the analysis of new, changing, and existing federal and state laws and regulations to identify
impacted areas and processes requiring updates to remain compliant.
* Assists in the preparation of compliance-related reports and content for quarterly Enterprise Risk Management Committee
meetings.
* Maintains and supports the complaint management process, including tracking the number of complaints and performing a
monthly regulatory risk assessment; and compiling complaint trend analysis data to be reported on a quarterly basis.
* Ensures identified compliance issues are escalated appropriately and that corrective actions are implemented and
documented.
* Evaluates new products and changes to existing products to ensure regulatory requirements and compliance risks are
properly identified and addressed.
* Collaborates with business units and stakeholders on the development, revision, and implementation of compliance-related
policies and procedures.
* Assists Compliance Director with regulatory examinations, internal or external audits, and third-party consultant
engagements including requesting and preparing materials, arranging logistics, coordinating meetings, and facilitating
communication with examiners, auditors, and internal stakeholders.
* Serves as a resource and support Credit Union management and employees by responding to compliance-related questions
and providing guidance as needed.
* Maintains professional and technical knowledge by attending training and workshops, reviewing professional publications,
establishing industry networks, and participating in relevant professional organizations.

JOB SPECIFICATIONS
* Strong decision-making, analytical, and organizational skills with exceptional attention to detail and the ability to assess
compliance risk and regulatory exposure.
* Ability to prioritize, multi-task, and manage competing deadlines effectively in a fast-paced environment.
* Excellent verbal and written communication skills, including the ability to prepare clear reports, document findings, and
deliver guidance or training to diverse audiences.
* Ability to analyze complex and nuanced factual situations, apply regulatory and functional principles, and advise business
lines on practical, risk-based solutions.
* Proven ability to work independently and collaboratively across departments, influencing outcomes and driving compliance
initiatives forward.
* Self-motivated and proactive, with the initiative to address challenges, identify opportunities for improvement, and ensure
timely completion of objectives.
* High level of professionalism, integrity, and sound judgment, with a solution-oriented and business-focused approach to
compliance.
* Knowledge of banking or credit union regulations related to lending, deposits, marketing, and consumer protection.