Compliance Officer - Assurance | AU Client | Hybrid Set-up | Contractual

• Competitive salary package
• HMO coverage from Day 1
• Attendance bonuses and meal allowances
• Complimentary rice, drinks, and snacks
• A fun work environment with a focus on work-life balance
• Access to an entertainment and gaming area
• Monthly basketball and volleyball games
• Fun Fridays with games and more to unwind and bond with colleagues

• Drive best practice for around data compliance within e-ib and e-mms, Delegated Lending Approvals, loan file compliance, funding partner reviews and to deliver support to meet these requirements.
• Perform annual compliance reviews (Branch, Broker and Mortgage Manager).
• Assist the Credit Risk Manager in planning, facilitating and conducting compliance and operational audit reviews and the completion of required reporting and remedial action.
• Plan, conduct, document and complete allocated assurance reviews in accordance with the approved Risk & Compliance Assurance Program, applicable testing methodology and the following service-level requirements:

Monthly assurance activities: Complete each review within two months after the end of the month being reviewed, unless a different timeframe is specified in the Assurance Program. This presently includes:

• loan writer file audits; and
• Delegated Lending Authority file audits.

This presently includes SafeTrac course completion monitoring.

Quarterly assurance activities: Complete each review within one month after the end of the relevant quarter or other quarterly review period. This presently includes:

• submission-from-referrer checks;
• third-party lender submission concentration checks; and
• construction tracker checks.

Annual assurance activities: Complete each review within one month after the end of the applicable annual review period. This presently includes:

• user access and credential checks;
• e-mms serviceability testing; and
• e-mms postcode testing.
• Ensure each assurance activity is supported by sufficient evidence, clearly documented testing, findings, conclusions, recommendations and, where applicable, agreed remedial actions, responsible owners and due dates.
• Maintain the Risk & Compliance Assurance Register so that the status, testing period, completion date, outcome, supporting evidence and any overdue activity are accurate and current.
• Promptly escalate to the Credit Risk Manager any assurance activity that is likely to exceed its applicable service level requirement, including the reason for the delay, associated risk, proposed corrective action and revised completion date
• Report material findings, recurring exceptions, control weaknesses and overdue remediation through the applicable Risk & Compliance governance and reporting channels.
• Complete systems and process testing and documenting clear results and remedial action, e.g. e-mms servicing and applied business rules, excel calculators used in the origination process and vendor accreditation processes.
• Ensuring compliance with all legislation, regulations, ASIC, AUSTRAC and OAIC published regulatory guides and any other governmental or departmental guides.
• Preventing illegal, unethical, or improper conduct, and minimising risk to the business.
• Maintain the Risk & Compliance Assurance Register and ensure that scheduled assurance activities, applicable service-level requirements, testing outcomes, supporting evidence, findings, remediation actions and completion dates are accurately recorded and kept current
• Complete compliance reports and provide recommendations to the Credit Risk Manager on improvements.
• Conduct high quality assurance related audits and liaise with internal & external partners on compliance matters including audit outcomes and remedies where required.
• Understanding and applying the client's Customer Service Charter delivery standards required to deliver exceptional customer service

• Prior Banking or Financial Services experience ideally in Mortgage Origination, Mortgage Management and Securitisation with the ability to demonstrate sound understanding and knowledge of financial services legislation and compliance requirements.
• Should have experience in credit assessment.
• 2 years of progressive experience in a similar compliance role.
• Experience in using data to inform decisions and identify trends to drive operational performance improvement.
• Experience working in a customer centric environment that place the needs of the customer at the forefront of decision making.
• Successful experience in building and maintaining strong relationship management skills to drive organisational change and compliance.
• Certificate IV in Compliance and Risk Management or related discipline from a recognised Australian tertiary institution or international equivalent.
• Bachelor/master’s degree in commerce, Management, Business Administration or related field.

• Passionate about driving system, policy and process improvements.
• Genuine interest in banking and finance regulatory requirements with a curiosity and ability to stay up to date, interpret and communicate changes in requirements.
• Exhibit a high level of interpersonal and communications skills, with the capacity to build strong working relationships.
• Ability to explain regulatory requirements in a meaningful and engaging way to operational colleagues.
• Excellent planning and time management skills to ensure deadlines are met.
• Demonstrated ability to manage recurring monthly, quarterly and annual assurance obligations, prioritise competing reviews and proactively escalate circumstances that may affect agreed service-level requirements.
• Ability to constructively challenge and educate colleagues of the importance of compliance adherence.
• Ability to be discreet when dealing with sensitive issues.
• Remain calm when working under pressure or to deadlines.
• High attention to detail.
• High level of intellectual curiosity and not rely upon face value information.
• Exhibit strong diligence to see investigations through to a conclusive outcome