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Ally Compliance Manager - Deposits in Charlotte, North Carolina

Ally and Your Career Ally Financial only succeeds when its people do - and that’s more than some cliche people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too? The Opportunity Support and enhance compliance program by working with the Deposits organizations to mitigate compliance risks. Assist the Deposits business partners to ensure that new or enhanced product/service initiatives and supporting operations are planned and executed in compliance with regulatory requirements and company policies and procedures. With the increase in Deposit Digital initiatives this role will participate in joint governance reviews and forums between the Deposits and Digital teams. The Work Itself * Candidate will have responsibility for supporting and enhancing the compliance program for the Deposits functions. * Provide oversight for Deposits Digital change initiatives to help identify risks that could have downstream regulatory impacts. * Support Deposit projects to ensure any compliance risks or issues are identified and mitigation strategies are implemented. * Bridge any potential gaps between activities occurring in the business line and channels that support the business line. * Review digital and marketing materials and provide constructive feedback. * Work with business partners to determine appropriate monitoring and reporting routines. * Candidate will assist in supporting and gathering documentation for examinations that have a Deposits focus. * Assist Deposits business partners in determining regulatory risk and effectively communicate these risks both vertically and laterally to ensure all levels of management understand the risks posed by regulatory requirements. * Partner with Legal Department in assessing and quantifying regulatory risks and in explaining/communicating these risks to the business partners. * Ensure day-to-day operations are conducted in compliance with regulatory requirements and the organization's policy. * Maintain documentation to provide requested information to regulatory agencies, and keep management informed of problems. * Assist manager and advise other Compliance staff on routine or technical Deposit compliance issues. * Working knowledge of applicable federal and state compliance regulations. * Miscellaneous duties as assigned. The Skills You Bring * Education level: Minimum - Bachelors' degree in business or related major * Total years and type of prior related experience: 5-7 years in regulatory compliance preferred. * Certifications or special training needed: CRCM or equivalent certification preferred, but not required. * Candidate should have a thorough knowledge (Subject Matter Expertise/Expert, SME) of regulations that directly impact deposit products and/or electronic delivery channels, including, but not limited to: * Truth in Savings, Regulation DD * Electronic Fund Transfers, Regulation E * Availability of Funds, Regulation CC * Reserve Requirements of Depository Institutions, Regulation D * CAN-SPAM * Broad working knowledge of advertising regulations and related guidance How We’ll Have Your Back Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally’s total compensation – or total rewards – extends beyond your paycheck and is designed to support and enrich your personal and professional life, including: * Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting. * Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs. * Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally and financially. * Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and child care discounts. * Work-Life Integration: other benefits including LifeMatters® Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs. Who We Are Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com. Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law. We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at work@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation 2E Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled