Compliance and Risk Manager - Home Improvement Financing

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice. Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions’ Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system. Job Description: At Regions, the Business Unit Compliance Function Manager operates as a first, second, or third line of defense risk management expert that advises on business and/or product decisions. Associates at this level should have full ownership and be a Subject Matter Expert (SME) for one or more large or complex products, processes, or regulations , contributing to process change and redesign in addition to developing business plans, policies, and procedures to support a particular line of business. This position may manage 1-2 analysts and t ypically reports directly to the Business Unit Compliance Group Manager, the Head of a Division or a specialized Group Manager over a line of business i.e. Credit Products, Commercial, etc. Primary Responsibilities Directs compliance reviews and provides oversight of legal entities, business units, and processes Advises leadership on key business and/or product decisions Provides requested information to regulatory agencies and advises management on potential and ongoing compliance issues Maintains expert level knowledge of rules and regulations and their impact on products, services and operations for a specific line of business Oversees the resolution of complex problems or transactions, where expertise is required to interpret against policies, guidelines or processes Oversees a monitoring and testing program to ensure effective compliance with all applicable laws and regulations Manages creation and delivery of training to assigned business area to increase compliance awareness May supervise day-to-day work of other professional level compliance associates May contribute to workflow or process change and redesign, and risk and control identification This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay. This position is incentive eligible. Requirements Bachelor's degree and ten (10) years of experience in compliance, quality assurance/control, audit, or other related compliance function specific to a line of business Or High School Diploma or GED and fourteen (14) years of experience in compliance, quality assurance/control, audit, or other related compliance function specific to a line of business Preferences Masters degree Certified Regulatory Compliance Manager Certification (CRCM) Skills and Competencies Ability to work independently Deadline driven Knowledge of legal and regulatory environment as it relates to compliance in a particular line of business Organizational skills Proficiency in Microsoft Office Suite Strong Communication skills Time management skills Additional Job Description The Compliance and Risk Manager for Home Improvement Financing is responsible for overseeing credit, operational, and third‑party risks within the unsecured home improvement lending portfolio. This role evaluates lending performance, monitors partner and contractor risk, and implements strategies to ensure responsible growth and compliance. The manager will analyze trends, identify emerging risks, strengthen controls, and collaborate with Product, Credit, Compliance, and Vendor Management teams to maintain a healthy, scalable third‑party lending program. Additional Preferences 5–7+ years of experience in consumer lending risk, indirect/third‑party lending, or specialty financing programs Background in home improvement financing, contractor networks, or point‑of‑sale lending models Experience with third‑party/vendor oversight, including performance monitoring, scorecard development, and risk assessments Advanced analytical capability, including experience building dashboards, risk models, segmentation strategies, or early‑warning indicators Familiarity with risk frameworks such as ORM, RCSA, control testing, and issue remediation Prior credit policy or underwriting strategy experience, especially in unsecured lending environments Knowledge of contractor acquisition, dealer management, or channel‑based lending programs Experience partnering with Compliance, Legal, and Product teams to implement policy changes, resolve findings, or support audits Strong project management skills, including ability to lead risk initiatives, process enhancements, and cross‑functional improvements This position is intended to be onsite, now or in the near future. Associates will have regular work hours, including full days in the office three or more days a week.  The manager will set the work schedule for this position, including in-office expectations.  Position Type Full time Compensation Details Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, mos