Audit/Compliance Analyst: III (Senior)-

Job#: 3025353

Job Description:

Audit / Compliance Analyst III (Senior) - Consumer Banking (Deposit & Payments)

Overview

The Audit / Compliance Analyst III (Senior) serves as a First Line of Defense (FLoD) Compliance Subject Matter Expert responsible for overseeing regulatory compliance and execution risk across Consumer Banking deposit and payment products. This role provides regulatory advisory support, monitors evolving consumer banking regulations, and ensures business processes, controls, and risk management activities align with regulatory requirements and supervisory expectations.

The position partners closely with business units, risk partners, and senior leadership to manage regulatory change, support Risk and Control Self-Assessments (RCSA), address audit and regulatory findings, and drive effective remediation efforts. The role plays a critical part in promoting strong governance, effective controls, and a culture of compliance across Consumer Banking activities.

Business Need

• Serve as a First Line of Defense Compliance SME supporting the regulatory framework governing deposit and payment products
• Ensure consistent compliance oversight and effective execution risk management across the enterprise
• Act as a trusted advisor to the business on regulatory interpretation, control design, and risk mitigation

Key Responsibilities

Regulatory Compliance & Advisory

• Provide regulatory advisory guidance to business partners on consumer banking regulations impacting deposit and payment products
• Interpret and assess regulatory requirements including Reg E, Reg CC, Reg D, E-Sign, UDAAP, and applicable state-specific regulations
• Monitor regulatory changes and supervisory guidance, assess business impact, and support timely implementation
• Serve as a point of contact for regulatory questions related to product design, process changes, and customer experience

First Line Risk Management

• Support Risk and Control Self-Assessments (RCSA), including risk identification, control evaluation, and documentation
• Identify execution, compliance, and operational risk gaps, and partner with stakeholders on remediation plans
• Assist in the design, enhancement, and implementation of preventive and detective controls
• Ensure business processes align with regulatory requirements, internal policies, and industry best practices

Issue Management & Remediation

• Support the management and remediation of audit, regulatory, and internal risk findings
• Track issues through closure, ensuring timely, sustainable, and well-documented remediation
• Provide effective challenge to ensure remediation plans address root cause and regulatory expectations
• Partner with Audit, Compliance, and Risk teams to support examinations and reviews

Monitoring, Reporting & Escalation

• Monitor compliance risks and control effectiveness across deposit and payment activities
• Escalate material risks or issues in accordance with governance and escalation protocols
• Develop and deliver clear, concise reporting for senior management and risk committees
• Contribute to management reporting, dashboards, and executive summaries

Stakeholder Engagement & Governance

• Build strong partnerships with business leaders, product teams, operations, and risk partners
• Influence and challenge stakeholders to drive compliant outcomes while supporting business objectives
• Promote a culture of risk awareness, accountability, and regulatory compliance

Required Qualifications (Must-Have)

• 5+ years of overall experience
• Strong Consumer Banking Regulatory Expertise - Deep knowledge of deposit and payments regulations (e.g., Reg E, Reg CC, Reg D, E-Sign, UDAAP, state-specific requirements) and supervisory expectations.
• First Line Risk Management Experience - Proven experience in FLoD compliance or operational risk roles supporting RCSA, issue management, and control implementation.
• Regulatory Advisory & Stakeholder Engagement Skills - Ability to interpret regulations, provide practical business guidance, and effectively challenge and influence senior stakeholders.
• Risk Assessment & Control Framework Knowledge - Experience identifying control gaps, supporting remediation, and aligning processes to regulatory and industry standards.
• Strong Reporting & Escalation Discipline - Ability to monitor compliance risks, escalate material issues appropriately, and deliver clear, executive-level reporting.

Preferred Qualifications (Nice-to-Have)

• CRCM (Certified Regulatory Compliance Manager) certification

Position Details

• Level: Audit / Compliance Analyst III (Senior)
• Location: Fully Remote - United States
• Duration: Contract with potential for extension and/or conversion to full-time employment

Why This Role Matters

This role is critical to ensuring regulatory compliance, execution risk management, and strong governance across Consumer Banking deposit and payment products. The successful candidate will operate as a trusted compliance advisor, helping the business navigate regulatory complexity while supporting responsible growth and customer protection.

EEO Employer

Apex Systems is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of race, color, religion, creed, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), age, sexual orientation, gender identity, national origin, ancestry, citizenship, genetic information, registered domestic partner status, marital status, disability, status as a crime victim, protected veteran status, political affiliation, union membership, or any other characteristic protected by law. Apex will consider qualified applicants with criminal histories in a manner consistent with the requirements of applicable law. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation in using our website for a search or application, please contact our Employee Services Department at or .

Apex Systems is a world-class IT services company that serves thousands of clients across the globe. When you join Apex, you become part of a team that values innovation, collaboration, and continuous learning. We offer quality career resources, training, certifications, development opportunities, and a comprehensive benefits package. Our commitment to excellence is reflected in many awards, including ClearlyRated's Best of Staffing in Talent Satisfaction in the United States and Great Place to Work in the United Kingdom and Mexico. Apex uses a virtual recruiter as part of the application process. Click for more details.

Apex Benefits Overview: Apex offers a range of supplemental benefits, including medical, dental, vision, life, disability, and other insurance plans that offer an optional layer of financial protection. We offer an ESPP (employee stock purchase program) and a 401K program which allows you to contribute typically within 30 days of starting, with a company match after 12 months of tenure. Apex also offers a HSA (Health Savings Account on the HDHP plan), a SupportLinc Employee Assistance Program (EAP) with up to 8 free counseling sessions, a corporate discount savings program and other discounts. In terms of professional development, Apex hosts an on-demand training program, provides access to certification prep and a library of technical and leadership courses/books/seminars once you have 6+ months of tenure, and certification discounts and other perks to associations that include CompTIA and IIBA. Apex has a dedicated customer service team for our Consultants that can address questions around benefits and other resources, as well as a certified Career Coach. You can access a full list of our benefits, programs, support teams and resources within our 'Welcome Packet' as well, which an Apex team member can provide.