Compliance Risk Analyst

Capitol Bancorp Limited is a uniquely structured affiliation of small community banks. Each bank, which typically has only one location, is focused on meeting the banking needs of entrepreneurs, professionals and other individuals seeking individually-tailored service. Each bank has full local decision-making authority in making loans and delivery of other banking services. Each bank is managed by an on-site president and management team under the direction of its local board of directors.

Capitol Bancorp Limited, with offices located in Lansing, Michigan, is currently looking for a Compliance Risk Analyst responsible for the implementation of the Compliance Risk Management program. The qualified candidate will determine if Capitol Bancorp Limited and all of it's bank affiliates are conforming with policies, procedures, and regulatory requirements. This candidate will also summarize these results for review by the Executive Management Group, and recommend changes to procedures as necessary. Travel up to 25% is required.

ESSENTIAL FUNCTIONS AND JOB RESPONSIBILITIES
Perform compliance tests and CRA evaluations as directed by the Corporate Compliance Officer.
Identify unusual items/procedures, opening deficiencies, and review with the Corporate Compliance Officer. Involve the Corporate Compliance Officer on exit meetings for banks with "High" or higher risk ratings. Recommend ways for banks to improve if results of testing were unsatisfactory.
Identify "best practices" employed by banks and recommend that other affiliated banks replicate these practices to promote compliance or create operational efficiencies.
Prepare written reports of findings that are presented to the appropriate directors, as well as bank and corporate officers for review and approval by the Corporate Compliance Officer.
Respond to compliance related questions and advertising reviews from Capitol Bancorp Limited's affiliates.
Assist the Corporate Compliance Officer to disseminate information to affiliates' Compliance Officers on significant legislative and regulatory changes.
Processing of CRA and HDMA registers.

OTHER DUTIES AND RESPONSIBILITIES
Perform audit work for external auditors when necessary and as instructed by the Corporate Compliance Officer.
Seek appropriate training opportunities and self-learning to ensure maintenance of contemporary knowledge of compliance. Also, assist the Corporate Compliance Officer to develop and conduct internal training sessions on areas relating to compliance risk.
Be available for special projects that may surface.





Capitol Bancorp Limited is proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing. REQUIREMENTS
Skills/Equipment
Must have 3-5 years of working knowledge in: Lending Regulations (B,C,O,P,V,Z,BB,Flood, RESPA, etc.) and/or Bank Secrecy Act Regulations
Deposit regulation knowledge is a plus
Technical knowledge in bank compliance
Good verbal and written communication skills with the ability to convey factual and technical regulatory compliance information in easy to understand terms
Ability to apply technical knowledge and place findings in proper perspective relative to risk to the organization
Strong conflict resolution/problem solving and influencing skills with the ability to convey negative information in a friendly and supportive mannaer while providing solutions
Strong organizational skills with the ability to multi-task and carry out a number of compliance related projects simultaneously while meeting deadlines and maintaining a high degree of accuracy
High standards of honesty, ethics, and integrity. Properly safeguarding confidential material
Effective interpersonal skills; develop rapport with individuals at all levels of Capitol Bancorp Limited
Ability to grasp high-level team goals and turn those goals into self-directed action
Ability to work accurately and independently, while seeking advice under the appropriate conditions
Effective computer skills (both mainframe and PC applications

Training/Preparation Required
Bachelor's degree in Business, Finance, or Accounting
CRCM or CAMS is highly desirable, but not required