Senior Compliance Officer

To monitor, research, analyze, and interpret relevant federal and state laws and regulations relating to compliance with Collections laws and regulations to ensure policies and practices comply with applicable legal and regulatory requirements. 

Compliance experience in Collections (loss mitigation, foreclosure, bankruptcy) and the Fair Debt Collections Practices Act.  The following laws are used to advise and inform the business units:  Unfair, Deceptive, Abusive Acts or Practices (UDAAP); Fair Debt Collections Practices Act; Equal Credit Opportunity Act; Truth in Lending Act; Fair Credit Reporting Act; Real Estate Settlement Procedures Act; Telephone Communications Practices Act; Servicemembers Civil Relief Act and applicable state collection laws.

• Ensures products, services, and operations are in compliance with all legal and regulatory requirements: monitors, researches, and analyzes complex questions relating to governance including federal and state laws, regulations, staff commentaries, court decisions, legal opinions, trade association guidance, Government Sponsored Enterprise guidelines, Instructions, and other resources. 

• Develops, coordinates and executes plan to monitor Collections practices, including but not limited to phone calls and written correspondence.

• Reviews and assists in the preparation of responses to complaints related to banking/credit union transactions.

• Employs technical compliance expertise to resolve complex compliance issues.  
• Counsels and advises management and operating units on requirements of applicable laws and regulations.  
• Selects, analyzes, and disseminates applicable compliance information to appropriate management and operating units.  
• Prepares written and oral analyses, reports and other communications for management and operating units.  
• Leads teams to implement new or changed compliance requirements.  
• Participates on teams to develop compliant products and services.  
• Evaluates, selects, and maintains resources and materials for the compliance library.  
• Emphasizes compliance in regular contacts throughout the organization.  
• Monitors, researches, and analyzes federal and state laws and regulations, legislative and regulatory proposals, legislative agendas, legislator activities, trade association efforts, and other third party activities to make recommendations to senior management on complex positions and courses of action consistent with organizational mission, strategic plan, and operations.  
• Assesses internal input and external stances on proposed legislation and regulations.  
• Summarizes the issues, as appropriate, requests input, and distributes copies of proposed legislation and regulations to management.   
• Responds to various compliance inquiries from the organizations’ operating units.   
• Conducts internal compliance reviews.  Advises appropriate managers and supervisors of findings.  Recommends corrective actions.

• Supports senior management on matters relating to compliance, legislative and regulatory proposals, and other public policy matters by preparing research papers, compliance opinions, correspondence, talking points, etc.  

• Maintains liaison with external groups and represents in external meetings as appropriate.

• Performs other related duties as required or appropriate.

• Bachelor’s degree in related field or the equivalent combination of training, education, and experience

• Experience in researching and analyzing complex laws and regulations, staff commentaries, legal opinions, court decisions and other documentation and the analysis of operations to determine and ensure compliance.

• Ability to support and promote an effective, ongoing credit union regulatory compliance program.
• Thorough knowledge of compliance issues, laws and regulations relating to Collections (loss mitigation, foreclosure and bankruptcy); Real Estate Settlement Procedures Act;Fair Debt Collections Protection Act; unfair, deceptive, abusive acts or practices (UDAAP); Equal Credit Opportunity Act; Servicemembers Civil Relief Act; as well as the Consumer Financial Protection Bureau’s complaint processes. 
• Experience with debt collection related to banking/credit union transactions.
• Demonstrated ability to effectively communicate complex issues both verbally and in writing.
• Demonstrated highly effective interpersonal skills for working closely with internal organizational units and for effective representation of organizational positions on issues with external parties and groups.
• Thorough knowledge of project management, operations analysis and legislative staff work procedures.
• Ability to lead and manage projects.
• Ability to work independently on multiple issues concurrently and to exercise independent judgment in establishing priorities.

• Ability to organize work, make sound decisions and exercise good judgment

 

Desired Qualifications

• Graduate or law degree in related area.
• Working knowledge of Privacy, Fair Credit Reporting Act, Americans With Disabilities Act, Truth in Lending Act, Telephone Communications Practices Act, applicable state collection laws and Vendor Oversight.
• Experience in conducting, monitoring, and assessing risk associated with regulatory compliance issues.
• Experience with data collection and management, including Sharepoint, Excel, etc.
• Thorough knowledge of the current and future challenges facing the credit union movement.
• Certification as a credit union compliance professional by a widely recognized certification authority

 

Hours: Monday - Friday, 8:00AM - 4:30PM (Hybrid position, not eligible for remote)

Locations: 820 Follin Lane, Vienna, VA 22180 | 5510 Heritage Oaks Drive, Pensacola, FL 32526 | 141 Security Drive, Winchester, VA 22602 

Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.

Our approach to careers is simple yet powerful: Make our mission your passion.

• FORTUNE 100 Best Companies to Work For® 2025
• Yello and WayUp Top 100 Internship Programs
• Computerworld® Best Places to Work in IT
• Newsweek Most Loved Workplaces
• 2025 PEOPLE® Companies That Care
• Newsweek Most Trustworthy Companies in America
• Military Times 2025 Best for Vets Employers
• Best Companies for Latinos to Work for 2025
• Forbes® 2025 America’s Best Large Employers
• Forbes® 2025 America's Best Employers for New Grads
• Forbes® 2025 America's Best Employers for Tech Workers
• 2025 RippleMatch Campus Forward Award Winner for Overall Excellence 
• Military.com Top Military Spouse Employers 2025 
• 2025 Handshake Early Talent Award

From Fortune. ©2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.

Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.

Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team’s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.

Protect Yourself from Job Scams: Navy Federal Credit Union jobs are posted on our career site, jobs.navyfederal.org and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process.

Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.