Job Description

POSITION SUMMARY

As the leader of our Compliance Team, the Compliance Officer plays a critical role within our Risk Management team, partnering with departments across the organization to uphold and enhance our Compliance program. Success in this role requires strong leadership , a collaborative mindset , and the ability to navigate complex regulatory requirements with confidence and efficiency. The ideal candidate will bring exceptional problem-solving skills , a proactive approach to risk management, and deep expertise in compliance practices .

We are seeking a high-caliber professional to join our team in our Austin office at 12007 Research Blvd. This is an in-person position .

WHY HORIZON?

We’re not just your ordinary bank - we have something special here at Horizon. Our charter dates back to 1905, giving us over a century of experience serving Central Texas. We pride ourselves on creating lifelong customer relationships and business partnerships and have a reputation for an unwavering commitment to our teams, our communities, and our customers.

Thanks to our diverse, energetic team, Horizon continues to grow and succeed:

• #1 locally owned bank according to Austin Business Journal 2020 Power Rankings.
• Top 40 community banks nationwide by S&P Global Market Intelligence.
• 2024 top 10 community bank according to American Bankers Association.
• 2020 & 2021 Thriving Together recipient for outstanding company Wellness Program. Learn more about our benefit package below!

We’re proud of where our teams have gotten us and can’t wait to see where you will take us next!

WHAT WILL I DO?

Key highlights:

• Independently completing internal reviews that test for compliance with lending regulations including ECOA, TILA, RESPA, FCRA, HMDA, MLA, and SCRA.
• Independently completing internal reviews that test for compliance with deposit regulations including EFAA, EFTA, and TISA.
• Managing the Horizon Bank’s Fair Lending compliance program, including independently completing the periodic fair lending self-assessment, loan denial reviews, rate sheet testing, and other internal analyses.
• Assisting in managing Horizon Bank’s CRA program, including the collection, recording, and scrubbing of CRA small business and small farm data, retaining key documents and reconciling system data for accuracy.
• Overseeing the mortgage quality control process, including downloading reports and communicating with our mortgage team to resolve identified issues.
• Conducting research in consumer protection laws, rules, regulations, and regulatory guidance documentation in support of customer-facing and back-office teams.
• Working with internal team members to identify issues and solve problems with programs, processes, and documentation related to our lending, deposit, and branch activities.
• Communicating with key leaders regarding ongoing compliance reviews, including identifying potential issues and implementation of corrective actions.
• Providing virtual and in-person compliance training to employees ranging from one-off events to recurring compliance training efforts.
• Assisting the CRA Officer in managing Horizon Bank’s CRA program, including the collection, recording, and scrubbing of CRA small business and small farm data, retaining key documents, and reconciling system data for accuracy.
• Other duties as assigned and/or taken on.

AM I THE RIGHT FIT?

We are searching for professionals who have had proven success in their past careers, are self-motivated, and have a great attitude to join our team.

Specific requirements include:

• Minimum: Bachelor’s Degree, preferably in a business-related discipline and 5+ years of direct experience in a compliance or audit role with a bank, credit union, audit firm, or regulatory agency; or the equivalent combination of education and experience, which demonstrates the knowledge, skills, and abilities to perform the job duties of this position.
• Comfort managing assigned projects, researching applicable regulatory standards, and meeting established timelines with minimal oversight.
• Experience writing structured reports that meet regulatory expectations, accurately document completed reviews, and effectively summarize information for non-compliance leaders.
• Ability to clearly communicate and work with stakeholders from across an organization in a professional and engaging manner.
• Experience independently completing compliance reviews and audits from pre-review planning and transaction testing to implementing corrective actions and reporting final outcomes.
• Experience independently creating and leading both in-person and remote training events for a wide range of stakeholders and individuals.
• Extensive experience using Microsoft Office including SharePoint, Word, Excel, PowerPoint, and Outlook.
• The drive to take on new challenges and grow within the role and the team.

Desired qualifications:

• 8+ years of direct industry experience in a compliance or audit role.
• Compliance related certifications and/or training certificates from the American Bankers Association, Independent Community Bankers Association, Texas Bankers Association, Institute of Internal Auditors, or other professional training organization.
• Experience working with industry compliance vendors and software such as Ncontracts, Marquis, or Compliance Alliance.
• Strong understanding of internal audit methodologies, including audit scoping processes, sampling strategies, and proper documentation processes.

WHAT DOES IT MEAN TO BE ON THE HORIZON TEAM?

Our commitment to our employees goes beyond base pay—it includes the tangible things like salary, benefits, and special employee programs such as training & development, wellness, and flexible sick time. Equally important are the intangible factors like challenging work, a community focused mindset, and the opportunity to grow professionally. We do not hire resources; we invest in people.

Benefits available to you include:

• Health coverage options including Medical, Dental, and Vision
• Wellness Program that incentivizes you with premium cost savings
• Employee Assistance Program to help you with life’s challenges
• Basic Group term Life and AD&D to protect you and your family
• The opportunity to become a shareholder of the Bank through our 401k Retirement Plan
• Discounts on Pet Insurance
• Time off policies meant to support your work-life balance

INTERESTED?

This is a great opportunity to join a successful and growing organization. If you think that you could be the perfect fit, please apply now. Submit your resume and contact information for consideration.

Good luck and we look forward to hearing from you!

At Horizon Bank, we recognize that diverse perspectives and experiences drive innovation and success. We operate within a merit-based framework that fosters inclusivity and belonging, ensuring all individuals have the opportunity to contribute, develop, and thrive. We seek talented, qualified individuals for all career opportunities, without regard to any status protected under federal, state, or local law. Horizon Bank is proud to be an Equal Employment Opportunity Employer.

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