Compliance Officer

WHY HORIZON?

We’re not just your ordinary bank – we have something special here at Horizon. Our charter dates back to 1905, giving us over a century of experience serving Central Texas. We pride ourselves on creating lifelong customer relationships and business partnerships and have a reputation for an unwavering commitment to our teams, our communities, and our customers.

 

Thanks to our diverse, energetic team, Horizon continues to grow and succeed:

 

• #1 locally owned bank according to Austin Business Journal Power Rankings.
• Top 40 community banks nationwide by S&P Global Market Intelligence.
• Humana’s Thriving Together recipient for outstanding company Wellness Program. Learn more about our benefit package below!

 

We’re proud of where our teams have gotten us and can’t wait to see where you will take us next!

 

WHAT WILL I DO?

Key responsibilities include:

• Managing the collection, recording, and scrubbing of CRA small business and small farm data, retaining key documents and reconciling system data for accuracy.
• Independently completing internal reviews that test for compliance with lending regulations including FDPA, TILA, FCRA, MLA, and SCRA.
• Independently completing internal reviews that test for compliance with deposit regulations including Regulation CC, Regulation E, and Regulation DD.
• Downloading and reviewing mortgage quality control reports and communicating with our mortgage team to resolve identified issues.
• Conducting research in consumer protection laws, rules, regulations, and regulatory guidance documentation in support of customer-facing and back-office teams.
• Working with internal team members to identify issues and solve problems with programs, processes, and documentation related to our lending, deposit, and branch activities.
• Communicating with key leaders regarding ongoing compliance reviews, including identifying potential issues and implementation of corrective actions.
• Authoring internal memorandums and reports that document completed reviews, findings, and corrective actions for bank leadership.
• Collaborating with Risk Management leadership and other stakeholders on special projects and efforts, taking ownership of individual assignments.
• Providing virtual and in-person compliance training to employees ranging from one-off events to recurring compliance training efforts.
• Assisting in managing Horizon Bank’s CRA program, including identifying community development lending, assisting in our financial literacy training events, and assisting with our internal CRA data analyses.
• Assisting in managing the Horizon Bank’s Fair Lending compliance program, independently completing loan denial reviews, rate sheet testing, and other internal analyses.
• Other duties as assigned.

 

AM I THE RIGHT FIT?

This is an extraordinary opportunity for an awesome individual with experience leading compliance efforts across lending and deposit operations.

 

Specific requirements include:

• Bachelor’s Degree, preferably in a business-related discipline.
• 5+ years of direct experience in a compliance or audit role with a bank, credit union, fintech, audit firm, or regulatory agency.
• Comfort managing assigned projects, researching applicable regulatory standards, and meeting established timelines with minimal oversight.
• Strong understanding of internal audit methodologies, including audit scoping processes, sampling strategies, and proper documentation processes.
• Experience writing structured reports that meet regulatory expectations, accurately document completed reviews, and effectively summarize information for non-compliance leaders.
• Ability to clearly communicate and work with stakeholders from across an organization in a professional and engaging manner.
• Extensive experience using Microsoft Office including SharePoint, Word, Excel, PowerPoint, and Publisher.
• The drive to take on new challenges and grow within the role and the team.

 

Desired qualifications:

• 8+ years of direct industry experience in a compliance or audit role.
• Compliance related certifications and/or training certificates from the American Bankers Association, Independent Community Bankers Association, Texas Bankers Association, Institute of Internal Auditors, or other professional training organization.
• Experience working with industry compliance software such as Ncontracts, Wolters Kluwer, or Marquis.
• Experience independently completing compliance reviews and audits from pre-review planning and transaction testing to implementing corrective actions and reporting final outcomes.
• Experience independently creating and leading both in-person and remote training events for a wide range of stakeholders and individuals.

 

WHAT DOES IT MEAN TO BE ON THE HORIZON TEAM?

Our commitment to our employees goes beyond base pay—it includes the tangible things like salary, benefits, and special employee programs such as training & development, wellness, and flexible sick time. Equally important are the intangible factors like challenging work, a community focused mindset, and the opportunity to grow professionally. We do not hire resources; we invest in people.

 

Benefits available to you include:

• Health coverage options including Medical, Dental, and Vision.
• Wellness Program that incentivizes you with premium cost savings.
• Employee Assistance Program to help you with life’s challenges.
• Basic Group term Life and AD&D to protect you and your family.
• The opportunity to become a shareholder of the Bank through our 401k Retirement Plan.
• Discounts on Pet Insurance.
• Time off policies meant to support your work-life balance.