Compliance Specialist I - Fair Lending

At Space Coast Credit Union (SCCU) , our members are at the heart of everything we do. Since 1951, we’ve been committed to delivering financial services founded on integrity and a people-first philosophy. As a Compliance Specialist I -Fair Lending in our Melbourne Headquarters , you’ll will be responsible for implementing the Credit Union’s Fair Lending Compliance Risk Management Program. The Fair Lending Compliance Specialist will serve as a liaison to business units across the three lines of defense to identify and mitigate Fair Lending risk. Why Join SCCU? • Member-Focused Mission: Be part of a not-for-profit organization that reinvests in its members. • Hybrid and Flexible Schedule Options: Available for select positions. This position is Hybrid with 2 days per week required in office. • Career Growth: We prioritize internal promotions and offer on-the-job training. Principal Duties and Responsibilities: Analyze lending data with extensive use of Microsoft Excel, utilizing Consumer, Mortgage and Business lending data from applicable internal lending operating systems. Monitor all lending processes and procedures to proactively identify emerging Fair Lending risks and report findings to management. Maintain accurate records of lending data reviews and outcomes and prepare regular reports summarizing activity and trends for management review. Provide guidance and support to lending business units regarding procedures and regulatory obligations. Assist business units with reporting and assessing enterprise-wide Fair Lending compliance, including assessing compliance risk management programs as well as targeted regulations and requirements, such as: Fair Lending, Home Mortgage Disclosure Act, Unfair Deceptive or Abusive Acts or Practices, and the technical federal and state regulatory laws, rules, and regulations applicable to the Credit Union’s lending functions. Participate in proposed changes to policies, procedures, and Credit Union training to ensure Fair Lending compliance with applicable laws and regulations. Maintain relationships and effective communication with business units across the Credit Union to influence strong Fair Lending compliance standards and consideration of Fair Lending risk. Assist in the design and/or revision of lending related forms, disclosures, notices, Marketing advertisements and promotions to ensure compliance with applicable rules and regulations. Review and analyze formal complaints and Member surveys according to applicable focus, to identify potential Fair Lending concerns, trends, and areas for improvement as part of SCCU’s Complaint Management Program. Collaborate with business units to investigate Fair Lending complaints, determine root causes, and recommend corrective actions to mitigate compliance risk. Minimum Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the minimum level of knowledge, skills and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and Training: High School Diploma or GED is required. A combination of training, education, and experience is preferred. Credit union or banking compliance and/or Fair Lending experience preferred. Prior Experience: 1-3 years’ of regulatory compliance knowledge in at least one of the following areas: Fair Lending, HMDA, and UDAAP. Minimum 1 year experience in SCCU Training, Mortgage and/or Consumer Lending, Underwriting, Processing, Servicing, or Loss Prevention Department may be considered as equivalent experience. Preferred Skills: Working knowledge of the following applications: Encompass and/or Meridian Link loan operating systems. Excel, Word, PowerPoint applications. Compliance Specialist I: Compensation • Starting Compensation: $51,450-$54,505 annually • Bonus Opportunity: Eligible for ONE SCCU Annual Bonus. SCCU Benefits • Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program. • Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance). • Education Support: Tuition reimbursement after one year of service. • Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays. • Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts! Work Schedule • Monday – Friday: 8:00 a.m. - 5:00 p.m. About SCCU Since 1951, Space Coast Credit Union (SCCU) has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market. As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products—like checking, savings, and loans—our focus remains on empowering our members and supporting their financial well-being. With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve. At SCCU, we also prioritize our team members by fostering a supportive and collaborative environment that encourages career growth and development. As we continue to grow, we are seeking talented, member-focused professionals to join our team and help deliver innovative financial solutions and outstanding service. I UNDERSTAND this application is a legal document for purposes of employment. Upon acceptance of an offer with SCCU, I understand that I will be required to complete background screening, employment and education verifications, and drug screening. If I am a member of Space Coast Credit Union, my SCCU membership accounts will be reviewed as part of the employment screening process to determine whether they are in good standing, as defined by SCCU policy. Failure to meet these standards may affect employment eligibility, including the possible withdrawal of a conditional offer of employment. I further understand that any misstatements or omissions in this application or during the pre-employment process may be considered falsification and could result in a decision not to hire me, or termination of employment if discovered after hire. I UNDERSTAND that the information requested regarding date of birth, race, and sex is for the sole purpose of gathering the above information accurately and will not be used to discriminate against me in violation of any law. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and complete the required employment eligibility verification documentation upon hire. SCCU is a drug-free workplace. I understand that as a condition of employment, I will be required to submit to drug testing and any procedures necessary to assess my qualifications for employment. If hired, I further understand that my employment is for no definite period and may be terminated at any time without prior notice.