Flood Risk and Compliance Review Specialist

Value Proposition Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers. Overview This is a full-time career opportunity that can be remote. Must have the ability to travel to our headquarters location in Lancaster, PA. The Flood Risk and Compliance Review Specialist performs independent pre‑closing flood compliance reviews for commercial, residential, and consumer real estate secured loans to ensure adherence to federal regulatory requirements. This role serves as a subject matter expert to internal staff, providing guidance on federal flood insurance regulations and the bank's Flood Disaster Protection Act compliance program. The specialist supports the ongoing administration, monitoring, and enhancement of flood compliance processes, ensuring the bank maintains strong regulatory alignment and effective risk mitigation. Responsibilities Independently reviews flood insurance documentation for new loans and loan modifications secured by real estate. Analyzes the collateral using information from the appraisal and external mapping tools to verify the accuracy of flood determinations. Identifies existing liens and insurable values for collateral requiring flood insurance to accurately calculate the required insurance amount. Identifies, researches, and resolves compliance issues with flood insurance documentation. Communicates issues to loan officers, internal departments, and insurance agents or carriers, and provides direction and guidance to resolve issues. Escalates complex matters to management when necessary. Analyzes and reviews private flood insurance policies to determine if they comply with federal law. Confirms adequate flood insurance coverage for all buildings and contents before approving flood validation requirements for settlement. Provides guidance to bank staff regarding federal flood insurance requirements and compliance with the bank’s flood compliance program. Responds to departmental inquiries regarding flood regulations, procedures, and compliance expectations. Supports regulatory examinations, internal audits, and ongoing monitoring and testing activities. Develops and maintains proficiency with the bank’s Loan Origination Systems and third-party technology platforms, external mapping tools, and Microsoft Office applications. Maintains subject matter expertise of all flood-related regulations regarding the National Flood Insurance Program and the Flood Disaster Protection Act, utilizing both internal and external continuing education. Assists in updating bank and department procedures to reflect regulatory or operational changes. Qualifications Education High School Diploma or equivalent. Specialty: Does not apply at this level of education. (Required) Bachelor's Degree or the equivalent experience. Specialty: Business, Finance, Accounting. (Preferred) Experience 4 or more years banking experience. (Required) 3 or more years lending, compliance, insurance, or real estate experience. (Preferred) Knowledge, Skills, and Abilities Strong understanding of federal flood insurance regulations and NFIP requirements (Required) Ability to analyze legal, insurance, and regulatory documents with strong attention to detail (Required) Excellent verbal and written communication skills (Required) Ability to independently solve problems and determine when to escalate risk appropriately (Required) Strong organizational and time‑management skills (Required) Proficiency with loan origination systems and third‑party flood determination tools (Preferred) Other Duties as Assigned by Manager This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management. Pay Transparency To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate’s knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location. The hourly rate for this position is $20.43 - $32.31. Benefits Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank. EEO Statement Fulton Bank (“Fulton”) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status. Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.