[Hiring] CRA Officer @Ocean Bank

Role Description

Ocean Bank is looking for a relationship-driven CRA Officer to lead the bank’s Community Reinvestment Act (CRA) compliance strategy and support a strong culture of regulatory excellence, partnering and involving with local communities in the South Florida Tri-County Area (Miami-Dade, Broward and Palm Beach counties). This is an opportunity for a compliance professional who thrives in a dynamic banking environment and brings expertise in CRA, Fair Lending, HMDA, ECOA, and consumer compliance.

• Lead and monitor the bank’s CRA program to support ongoing regulatory compliance and performance objectives.
• Review and analyze CRA, HMDA, ECOA, Fair Lending, and related consumer compliance activities to identify trends, risks, and opportunities for improvement.
• Partner with internal stakeholders to evaluate community development investments, donations, and service activities for CRA consideration and documentation.
• Support and coordinate regulatory examinations, internal audits, and compliance reviews, including preparation of responses and supporting documentation.
• Provide guidance, training, and subject matter expertise to business units on lending compliance requirements and regulatory expectations.
• Assist in developing, enhancing, and maintaining compliance policies, procedures, monitoring reports, and risk assessments.
• Prepare reporting and materials for management committees and help promote effective governance of CRA and consumer compliance initiatives.
• Review and respond to consumer complaints as needed.
• Review lending and other related advertising and marketing materials.
• Responsible for attending regulatory, professional/trade and civic association meetings held related to CRA/HMDA/ECOA/Fair Lending compliance.
• Serve as a trusted compliance partner by helping address regulatory questions, consumer complaints, and emerging compliance matters.

Qualifications

• Bachelor’s degree in Business (Finance, Economics or Accounting).
• 7+ years of experience directly related to CRA/HMDA/ECOA/Fair Lending compliance administration.
• 3+ years in a supervisory or managerial position.
• Extensive knowledge of consumer regulations, including but not limited to: Community Reinvestment Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act, Unfair and Deceptive Practices Act, Fair Housing Act, Fair Lending Interagency Statements, TRID, RESPA and TILA.
• Periodic travel may be required to the branches and to outside organizations.
• Must reside in the South Florida Tri-County Area (Miami-Dade, Broward, or Palm Beach counties).
• Combination of education and experience will be considered.

Requirements

• Proven ability to develop and manage community programs.
• Experience with managing the CRA Compliance Examination process and proactively engaging with regulators.
• Maintain knowledge and involvement of local low- and moderate-income communities to support the Bank’s Community Reinvestment Act (CRA) requirements.
• Ability to use sound judgment and make critical decisions regarding CRA compliance with minimal supervision.
• Experience with data analysis and reporting.
• Knowledge of banking products and services.
• Ability to understand and implement job related policies and procedures.
• Must have strong familiarity with regulatory banking environment and banking regulations.
• Must possess excellent verbal and written communication skills, interpersonal and organizational skills.
• Highly self-motivated, self-directed, and attentive to detail.
• Proficiency in MS Office Software (Excel, Word, Outlook, Power Point, and Teams).

Job Posting Locations

• In this role you can work remote from Miami, Florida, United States.