Department: OP Quality Assurance
Classification: Non-Exempt/Exempt
Reports to: Quality Assurance and Risk Control Manager
Summary/Objective:
The Quality Assurance Officer will assist the Quality Assurance and Risk Control Manager (QARCM) to develop and carry-out the Bank's Quality Assurance Program. The Quality Assurance Group ensures that risks associated with the front-line activities are effectively identified, measured, monitored and controlled consistent with the Bank's established policies.
The Quality Assurance Officer will assist the Quality Assurance Manager to test internal controls to ensure accuracy of processes/procedures and documentation. The Quality Assurance Officer will need to adhere to the plan as directed by the QARCM in order to identify operational, regulatory and compliance risks, ensuring that proper controls, procedures, and training are in place to help mitigate these risks; and help to perform regular risk assessments, particularly for new account opening and/or consumer compliance programs. The Quality Assurance Officer must maintain all QC documentation in conformance with Bank policies.
Essential Functions:
1. Review daily teller balancing sheets to make sure proper sign-off by staff and officers.
2. Review daily branch consolidated reports to make sure proper sign-off by staff and officers.
3. Self-audit maintenance review branch self-audit reports to validate dual signatures and accuracy of data.
4. Account Opening Documentations review deposit account documentation to validate compliance with regulations and bank policy. Maintain the error dashboard and ensure remediation processes for all branches. Analyze monthly and quarterly data for risk assessment purposes.
5. Review remote deposit capture transaction reports for proper sign-off.
6. Conduct user access semi-annual reviews to comply with FFEIC IT requirements.
7. Review and monitor the ICBC-USA Ticket System to ensure that system user administration is timely and accurate.
8. Conduct controls testing for various consumer deposit and/or lending regulations such as Funds Availability (Reg. CC), EFT (Reg. E), TISA, TILA, RESPA, ECOA, etc.
9. Ad-hoc quality assurance reviews such as for new products or existing promotional campaigns.
10. Other duties as assigned by QARCM or the Head of Operational Management.
11. Provide on-going support, communication and training to branch staff and business units.
12. Prepare reports for the QARCM to identify and rectify control exceptions, violations of law and program quality in general.
Competencies:
1. Knowledge of BSA/AML regulations and bank policy and procedures.
2. Knowledge of enterprise risk management concepts including SOX, COSO, FFEIC and Safety and Soundness.
3. Ability to work with branch or branch operations for a depository banking institution.
4. Conduct effective due diligence when monitoring documentation errors to ensure compliance.
5. Effective communication and training to business units.
6. On-going regulatory and policy education and compliance.
7. Ability to perform services in person from a Bank office or branch to, among other things, access the Bank's computer systems and engage in an interactive environment with co-workers.
Supervisory Responsibility:
Travel Requirements: Occasional commute to local branches and periodic travel to other regions of the bank.
Required Education and Experience: Bachelor's degree (B. A. or B. S.) from four-year college or university. Minimum of three years of experience or equivalent combination of education and experience in any one of the following areas:
Compliance
Operations or Quality Control and Risk
Operational Risk Management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk)
Retail Banking
Additional Qualifications:
Certified Anti-Money Specialist is a plus. Bank may reimburse new hire to take the CAMS exam after probational period is achieved.
Language/Communication Skills: Fluency in Cantonese or Mandarin is a plus but not required.
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