Regulatory Compliance Manager (Fintech)

Location: Plano, Texas, United States

Company

Toyota Financial Savings Bank is Toyota Financial Services’ regulated banking business, providing financial and insurance services for Toyota and Lexus customers in North America.

What you will do

• Lead strategic compliance efforts covering state and federal banking requirements, CAMELS ratings, Reg Z, Regulation B, UDAAP, and consumer protection regulations.
• Partner with Legal, Internal Audit, and Enterprise Risk teams to identify, mitigate, and manage regulatory, operational, financial, reputational, and legal risks.
• Coordinate state and federal regulatory examinations, corrective actions, risk assessments, compliance testing, and regulatory change implementation.
• Develop and maintain corporate compliance policies, standards, procedures, reports, and materials for senior management, risk committees, and the Board.
• Oversee customer complaint management, root-cause analysis, trend identification, risk escalation, and remediation.
• Mentor Compliance Senior Analysts and strengthen the compliance team’s capabilities.

Requirements

• Bachelor’s degree in accounting, finance, compliance, risk management, or a related business field.
• 10+ years of regulatory compliance experience in large banks or financial services organizations.
• Advanced knowledge of federal and state banking laws, including Fair Lending, TILA-RESPA, UDAAP, FCRA, ECOA, BSA, and the USA PATRIOT Act.
• Knowledge of commercial lending, consumer lending, Compliance Management Systems, CAMELS, mortgage lending, and auto lending requirements.
• Management or leadership experience in a matrixed organization, strong presentation and project management skills, and the ability to manage sensitive information.
• Must have the right to work in the United States and must not require employment-based visa or work authorization sponsorship now or in the future.

Nice to have

• MBA or advanced degree in finance, accounting, or a related field.
• CRCM, CCEP, or another relevant compliance certification.
• Experience with state and federal bank examinations and interaction with the FDIC, OCC, FRB, or CFPB.
• Experience with WolfPAC, Tableau, JIRA, AuditBoard, or Archer.

Culture & Benefits

• Team-oriented, flexible, and respectful work environment.
• Professional development programs and tuition reimbursement.
• Comprehensive health care and wellness plans, paid holidays, and paid time off.
• Toyota 401(k) Savings Plan with company matching and an annual retirement contribution, where applicable.
• Vehicle purchase and lease programs, tax-advantaged accounts, family support services, and relocation assistance where applicable.