Risk Management Specialist

About ChoiceOne Bank
At ChoiceOne Bank, we offer more than banking jobs — we provide meaningful careers with opportunities to grow and thrive right here in Michigan. As the state’s premier community bank with over 125 years of history and 56 locations across West, Central, and Southeast Michigan, we are committed to creating a positive workplace built on respect, integrity, and teamwork. Our employees enjoy competitive benefits, career advancement, professional development programs, and the chance to make an impact in the communities where they live and work. Whether you’re starting your career or looking to take the next step, ChoiceOne Bank offers rewarding Michigan banking careers where you can build your skills, achieve work-life balance, and grow your future.

General Summary
The Risk Management Specialist’s primary responsibility is to report to and assist management in ensuring the Bank’s compliance with State and Federal Banking Regulations and assisting in overseeing the audit function of the Bank. This includes compliance monitoring as the bank’s ‘second line of defense’; and assisting with HMDA/CRA data collection, validation, and analysis; as well as supporting the operational aspects of CRA compliance.

The Risk Management Specialist utilizes the Bank’s data systems including JHA’s Xperience, Synergy, Yellow Hammer BSA, as well as Microsoft Office applications, Ncontracts modules, and MortgageBot / Encompass.

Reports To: Senior Compliance Officer

Essential Duties and Responsibilities

• Complete internal compliance audits of bank products/services per audit schedule as approved by Audit Committee of the Board, including scheduling with department heads, gathering documentation, conducting testing, obtaining management responses and preparing reports to present at Compliance and Audit Committee of the Board.
• Contribute to the development of risk assessments.
• Manage annual compliance review calendar and maintain timely reporting.
• Act as Bank liaison to external compliance auditors, including distributing audit request lists to Bank personnel and coordinating receipt and upload of items to external auditors’ portals.
• Independently manage open audit/exam items list, including initiating communication with responsible parties regarding progress and completion status.
• Responsible for assigned reviews within the annual compliance plans; determination of scope of review, presentation of findings, coordination of management responses, and content of final report.
• Support the HMDA and CRA data collection and reporting process.
• Support the CRA Officer by providing timely reporting and maintaining operational controls for the CRA program in general.
• Conduct quarterly reviews of employee accounts for unusual activity / evidence of fraud, while maintaining requisite confidentiality – prepare timely reports for Audit Committee review.