Lead Audit Risk Analyst - Fintech

ABOUT US
Coastal Community Bank is a little bit of banking and a little bit of tech-ing. The people at Coastal don't just help people with their banking; they help reshape how banking technology allows and serves EVERYONE. We think and work like entrepreneurs, always moving and constantly improving. We care about each other, are go-getters, work hard, and play hard. If you're someone who thrives on innovation, wants to help others succeed, knows how to think outside the box, and believes that we're all in this together - you belong here.
HOW THIS ROLE IMPACTS COASTAL
As the CCBX Lead Audit Risk Analyst, you'll be responsible for supporting the oversight of Fintech Partner audits related to the Banking as a Service (BaaS) program, including assisting with the creation of risk assessments, scoping, and audit schedule planning, as well as support and tracking throughout the audit lifecycle. Coastal is a leader in FinTech, so your knowledge of this industry will continue to grow and develop as we do.
WHAT YOU'LL DO AT COASTAL
Using a risk-based approach, the CCBX Lead Audit Risk Analyst assists and supports the CCBX Audit Risk Program by ensuring audits, scoping, reports, and remediation efforts meet all program requirements for Audit Risk. To do this, you'll work closely with the CCBX Audit Risk Manager and collaborate with internal Subject Matter Experts (SMEs), Partners, and the Partner's Internal Audit or External Audit firm to ensure the CCBX Audit program requirements are met.
HOW YOU'LL DO IT

• Assist in developing processes to enhance CCBX Audit Risk Program.
• Assist in creating and maintaining Partner Audit Risk assessments, focusing on key risks of the Partner and BaaS services.
• As needed, facilitate audits with external audit firms, Fintech partners, and Internal Audit.
• Coordinate scheduling audits with audit firms and Fintech partners to ensure timely engagement and completion.
• Partner with internal Subject Matter Experts to ensure Partner Audits address key risks to the BaaS program.
• Assist in evaluating and updating audit scopes for all required audits, including BSA, General Compliance, IT General Controls, IT Security Assessments, Deposit and Lending Compliance, and Operational audits.
• Assist in reviewing Partner engagement letters and audit reports to ensure scoping requirements were met and properly tested.
• Assist in reviewing audit findings and remediation plans to ensure key risks are addressed promptly and appropriately.
• Assist in analyzing Audit Risk trends across all Partners to identify improvement opportunities for the CCBX program.
• Coordinate and assist in oversight audits, tracking any findings to remediation.
• Assist in training department staff to further their skills and expertise.
• Maintain proficient knowledge of the rules and regulations, including but not limited to the Bank Secrecy Act (BSA), USA Patriot Act, OFAC, Regulation E, Truth in Savings Act, Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), Truth in Lending, and Equal Credit Opportunity Act.
• Follow and comply with all regulatory and compliance regulations.
• Make recommendations to the CCBX Audit Risk Manager when and where appropriate.
• Other duties as assigned.

Requirements
WHAT YOU'LL BRING

• Knowledge and understanding of FinTech with a strong technical background.
• Able to communicate with impact, can state risks and issues concisely, and articulates impact in a structured manner both verbally and written.
• Understanding of regulatory compliance and FFIEC requirements is desired.
• Strong analytical skills necessary to review audit programs, work papers, and reports to determine adequacy.
• Ability to effectively present information and respond to questions from management and employees.
• Ability to organize and prioritize multiple projects while meeting deadlines with minimal direct supervision.
• Attention to detail and accuracy.
• Cooperative and professional attitude.
• Ability to effectively present information and respond to questions from management, affected departments, and our BaaS Partners.

Education/Experience:

• Bachelor's Degree preferred
• 3-5 years of relevant bank Internal Audit experience preferred

HOW YOU'LL THRIVE AT COASTAL
Be the Best - Communicate effectively, pay close attention to detail, and prioritize your personal development.
Be Relentless - Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference.
Be Un-Bankey - Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust.
Embrace Gray Thinking - Use sound judgment while decision-making and problem-solving. Think outside the box.
Stay Flexible - Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder.
Take Care of Each Other - Understand what it means to be a true team player and have your teammate's back. Practice self-awareness, and build your emotional intelligence.
Physical Demands:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this Job, the employee must:

• have the ability to sit for extended periods of time
• have the ability to stand for extended periods of time
• have the ability to perform repetitive finger, hand and arm movement
• have ability to use electronic office equipment such as, computer keyboard and mouse, ten key, telephone, etc
• Occasionally stoop, kneel, crouch, or crawl.
• Occasionally lift and/or move up to 10 pounds
• have the ability to view and read computer screen for extended periods of time

Job Type: Full-time
Job Status: Exempt
Pay: $75,254.00 - $105,355.00 per year
Benefits:

• Coastal Community Bank offers a competitive salary commensurate with experience, qualifications, and location
• Bonus Opportunity (based on Company and Individual Performance)
• Comprehensive Medical Insurance, Dental, and Vision insurance
• Medical Flexible Spending Account
• Health Savings Account with generous employer contribution
• Generous Vacation Time
• Flexible Wellness Days
• 11 Paid Holidays
• Paid Sick Time
• Paid Volunteer Time Off
• Dependent Care Flexible Spending Account
• Employee assistance program
• Long Term Disability insurance
• Life insurance (up to twice annual salary at no cost)
• Legal Insurance
• Pet Insurance
• Technology Stipend
• 401(k) with matching contribution
• Tuition reimbursement
• Coastal Community Bank Account and Loan Perks
• Employee Logo Wear Allowance