Careers

Responsible for performing the necessary functions to support and maintain the company's regulatory, legal, and policy compliance. This position will aid in the continuity, compliance, and system integrity of the Compliance management system. This is a non-exempt position. This position reports to the Director of Compliance and Human Resources.

Functions and Responsibilities:

• Employ risk management software and internal notifications to identify potential fraud, money laundering, check kiting, and other unlawful activities.
• Process garnishments, levies, subpoenas, police reports, and prosecution requests promptly to meet required deadlines.
• Review daily reports to verify all CIP information was obtained at account opening for both deposit and loan accounts.
• Acts as a resource to personnel for questions regarding regulatory issues.
• Review business and fiduciary account-opening documents for completeness and accuracy and evaluate potential OFAC hits for possible positive matches.
• Assists with the review of all company forms, disclosures, member publications, advertisements, and the website to ensure compliance with regulations.
• Review Regulatory Compliance items as needed (e.g., Reg E disputes, Reg Z HPML Loans, Risk-based pricing, Loan purpose, Denials, floods, etc.)
• Manage the organization’s record retention and destruction program in accordance with established policies, procedures, and guidelines.
• Perform additional duties, including assisting with insurance-related fraud claims and the annual unclaimed property filing.
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Other duties as assigned by management.

Education

• High school education or GED

Interpersonal Skills

• A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. 
• Communication may include motivating, influencing, educating, or advising others on significant matters, typically involving subject matter experts and first- to middle-level managers.

Knowledge and Skills

• Thorough knowledge of federal and state laws, regulations, and guidance applicable to credit unions, including but not limited to NCUA regulations, Bank Secrecy Act (BSA), Anti-Money Laundering (AML) requirements, USA PATRIOT Act, Fair Lending regulations, Truth in Lending Act (TILA), Truth in Savings Act (TISA).
• Electronic Fund Transfer Act (Regulation E), and privacy regulations. Understanding of credit union operations, products, services, and member-facing processes. 
• Knowledge of compliance risk management principles, internal controls, and regulatory examination processes. 
• Familiarity with suspicious activity monitoring, sanctions compliance (OFAC), consumer protection regulations, and fraud prevention practices. 
• Knowledge of regulatory reporting requirements and record retention standards. 
• Ability to stay current with regulatory changes, industry trends, and emerging compliance risks affecting financial institutions. 
• Ability to identify compliance risks, recommend solutions, and implement corrective actions. 
• Excellent written and verbal communication skills, including the ability to prepare reports, policies, procedures, and training materials. 
• Strong organizational and project management skills with the ability to manage multiple priorities and meet deadlines. 
• Ability to research regulatory requirements and communicate findings effectively to management and staff. 
• Proficient in Microsoft Office Suite, particularly Excel, Word, PowerPoint, and Outlook, as well as compliance and risk management software. 
• Strong attention to detail and accuracy in reviewing documentation, transactions, and regulatory filings. 
• Ability to work independently and collaboratively with all levels of the organization, regulators, auditors, and external stakeholders. 
• Strong problem-solving and decision-making skills with a commitment to maintaining confidentiality and ethical standards. 
• Ability to adapt to changing regulatory requirements and a dynamic financial services environment.

ADA Requirements

• Physical Requirements - Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing/descending stairs in an emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on a computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable, and timely attendance.
• Working Conditions - Must be able to routinely perform work indoors in a climate-controlled shared work area with minimal noise.
• Mental and Emotional Requirements - Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate the highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising the highest level of discretion on both internal and external confidential matters.
  

Department: Operations

Reports To: Director of Branch Operations

Indirect Reporting Relationship: Maintains an indirect reporting relationship with the Chief Lending Officer regarding lending operations, loan production, underwriting compliance, and lending-related performance and procedures.

Supervises: Approximately 3–10 employees

Position Summary

The Branch Manager is responsible for directing and overseeing the daily operations of the branch to ensure efficient and effective service delivery, operational excellence, regulatory compliance, and achievement of organizational goals. This position provides leadership and strategic direction for branch staff, promotes exceptional member service, manages lending and operational functions, and ensures adherence to all credit union policies, procedures, and applicable federal and state regulations. The Branch Manager serves as a key representative of the credit union within the community while fostering a positive, service-oriented environment for members and employees.

Essential Duties and Responsibilities

Branch Operations & Leadership

• Direct and oversee all branch operations to ensure efficient workflow, quality member service, and compliance with established policies and procedures.

• Participate in the credit union’s short-term and long-term strategic planning initiatives.

• Monitor branch profitability, productivity, and operational performance metrics, including transaction volume, loan production, new accounts, sales activity, and service standards.

• Maintain efficient management of walk-in traffic, online processes, and telephone operations.

• Coordinate facility, equipment, and maintenance needs for both interior and exterior branch operations.

• Perform secure branch opening and closing procedures and maintain security standards.

• Ensure branch cleanliness, organization, safety, and security.

Staff Management & Development

• Hire, train, supervise, coach, and evaluate branch personnel, including Member Service Supervisors and Member Service Representatives.

• Foster a positive, team-oriented culture focused on member service excellence and cross-selling initiatives.

• Conduct regular coaching sessions, performance evaluations, and staff meetings.

• Assist Director of Training in the development and implementation of training programs for branch personnel.

• Schedule and supervise staff to maintain optimal service levels and operational efficiency.

• Communicate organizational goals, expectations, policies, and procedural changes clearly and effectively to staff.

Member Service & Lending

• Maintain thorough knowledge of all credit union products, services, policies, and procedures.

• Receive, review, investigate, verify, and refer loan applications in accordance with lending policies.

• Prepare and review loan documentation for disbursement.

• Assist members and staff in resolving complex account issues and member complaints.

• Support collection efforts for delinquent loan and deposit accounts.

• Maintain IRA product knowledge and oversee IRA documentation administration.

• Perform duties of Member Service Representative or other operational roles as needed.

Compliance, Auditing & Risk Management

• Ensure branch compliance with all applicable laws, regulations, and internal controls, including:

• Federal Credit Union Act
• NCUA Rules and Regulations
• Truth in Lending requirements
• Bank Secrecy Act (BSA)
• USA Patriot Act

• Oversee branch audit functions and prepare required reports.

• Maintain accurate interest calculations, disclosures, and account documentation.

• Monitor commercial account documentation and compliance standards.

• Analyze and implement security and safety procedures and communicate updates to staff.

Reporting & Administrative Functions

• Prepare and submit daily, weekly, monthly, and annual operational and productivity reports to executive management.

• Prepare and manage the branch budget.

• Conduct monthly branch meetings and maintain open communication with leadership regarding branch operations and performance.

• Perform additional duties and special projects as assigned by management.

Qualifications

Education & Experience

• Bachelor’s degree in Business, Finance, Management, or related field preferred. Equivalent education and experience may be considered.

• Minimum of 3–5 years of financial institution experience, including branch operations and/or lending.

• Minimum of 2 years of supervisory or management experience preferred.

Knowledge, Skills & Abilities

• Strong leadership, supervisory, coaching, and team-building skills.

• Excellent verbal and written communication skills.

• Knowledge of credit union operations, lending practices, and financial institution regulations.

• Understanding of general accounting principles and audit procedures.

• Ability to analyze operational performance and implement process improvements.

• Strong problem-solving and member service skills.

• Ability to maintain confidentiality and exercise sound judgment.

• Proficiency with PC systems in a Windows environment, including office equipment and related technology.

Physical Requirements

• Ability to lift up to 25 pounds.

• Frequent computer use requiring hand/wrist movement and visual focus.

• Ability to sit for extended periods as well as stoop, bend, and reach overhead as needed.

Professional Expectations

• Maintain professionalism, confidentiality, and integrity in all interactions.

• Develop and maintain strong relationships with members, employees, management, and external agencies.

• Represent and promote the credit union positively within the community by actively participating in local Chamber of Commerce events, civic organizations, business networking opportunities, financial education initiatives, and other community activities and events.

• Stay informed on industry trends, regulatory changes, and professional development opportunities