• Continuously improve our Compliance Management System
• Interpret and respond to developments in state and federal legislatures
• Possess or develop deep understanding of Federal Truth in Lending Laws, ECOA, and FDCPA as they pertain to the company’s business
• Serve as the in-house expert on all federal/state regulations and laws
• Facilitate the flow of information between company personnel and regulatory agencies
• Monitor legislative and regulatory developments impacting business strategies, practices and polices
• Analyze, interpret, summarize, and communicate the impact of proposed laws and regulations to senior management

• Ensure that our policies and procedures maintain compliance with state and federal consumer financial laws
• Lead projects spanning various lines of business to implement compliance controls
• Continuously improve our licensing requirements and procedures
• Manage our complaint policy and complaint management processes
• Spearhead updates of policies and procedures to reflect learnings from internal and external audits
• Research legislation and rules to design and implement compliance policies, procedures, and controls necessary to comply
• Assess revisions to regulations, identify impact on policies, and communicate updates to senior management

• Design and enhance risk assessments to evaluate the impact of controls on the inherent risk of federal and state consumer financial protection laws and regulations
• Boost the development of protocols and automation to monitor compliance controls
• Enhance the compliance of vendor management and vendor onboarding

• Execute regulatory audits to ensure compliance with state and federal consumer financial laws
• Act as a point of contact and direct the gathering documentation for external auditors
• Manage the development of audit reports and present any findings to members of the Compliance Committee
• Champion the remediation of any audit findings by partnering with department heads

• Validate implementation of compliance guidelines through user acceptance testing
• Ensure that the company’s products and services are compliant with all applicable laws and rules at the federal, state, and local level
• Provide compliance guidelines to the design and development of physical and digital consumer financial products
• Implement guidelines by working with leaders from various lines of business
• Ensure marketing material is in compliance with state and federal regulations

• Bachelor’s degree
• 10+ years of regulatory compliance experience in financial services or banking
• 5+ years managing compliance department staff
• Experience managing both state and federal (CFPB) audits
• Knowledge of TCPA, UDAAP, E-SIGN, NACHA, FDCPA, Reg B, Reg E, EFTA, SCRA, MLA, TILA and other federal consumer financial protection laws
• Detail oriented with the ability to identify potential compliance related risks through compliance oversight activities
• Current Compliance Certification (CRCM or CAMS)
• Strong written and verbal communication skills
• Excellent project management and organizational skills with the ability to drive results with a high sense of urgency
• Working knowledge of Microsoft Office, Teams, and SharePoint
• Local (Dallas/Fort Worth area) candidates only – no relocation
• Must be currently authorized to work in the United States without sponsorship and not require sponsorship in the future

• Master’s degree or Juris Doctor (J.D.)
• 3+ years’ experience developing compliance guidelines for short term consumer credit products
• Working knowledge of regulations related to open line of credit products
• FinTech (online/digital) lending experience

• Flexibility of a hybrid work schedule, working remotely from your home office in the Dallas-Fort Worth area and on-site at our Administrative Office (HQ) in Irving (Las Colinas), TX

• Competitive six-figure annual salary

• Medical, dental, and vision
• Voluntary life/ AD&D
• Short-term & long-term disability
• 401K with company match
• Paid vacation, holidays, and sick time
• Paid maternity, paternity, bereavement, extended medical leave, and jury duty
• Corporate discount program on “personal cell phone accounts” with select providers
• Corporate discount program on Microsoft 365 “Home Use Program”
• Business casual work environment

Founded in 1996, Cottonwood Financial is one of the largest privately held retail consumer finance companies in the United States. With our customer-centric focus, we offer an innovative mix of financial products and services through our FinTech (online/digital) lending portal, Cashstore.com, as well as through our 230+ brick-and-mortar retail locations in multiple states, under our Cash Store brand.

We have a healthy balance sheet, are positioned to grow, and have been named multiple times to the Inc. 5000 list of America’s fastest-growing private companies, as well as to the Dallas 100 list of the fastest-growing private companies in North Texas.

Cottonwood Financial is proud to be an equal opportunity employer.