Hilltop Holdings · 1 day ago
VP, Fair Banking Officer
325 N Saint Paul Street, Dallas, TX, 75201, US
Full-time
Onsite
Mid, Senior Level
7+ years expHilltop Holdings is a financial institution committed to compliance and consumer protection. The Fair & Responsible Banking Officer will ensure the organization's adherence to fair lending laws and oversee the Bank's Fair Lending and Fair & Responsible Banking programs, conducting risk assessments and collaborating with leadership to enhance compliance culture.
BankingFinancial Services
Responsibilities
Maintain the Bank’s Fair & Responsible Banking / Fair Lending Program, Policies, Standards, and Procedures, ensuring full alignment with federal and state anti‑discrimination laws, UDAAP expectations, and broader consumer‑protection requirements
Oversee governance activities including policy updates, documentation, and regulatory change monitoring
Oversee annual Fair Lending risk assessments consistent with Federal Reserve expectations and coordinate ongoing UDAAP and fair banking monitoring
Direct comprehensive statistical analysis, process evaluations, complaint trend reviews, and other monitoring necessary to identify risks
Develop and oversee processes to validate, track, remediate, and report corrective actions arising from internal reviews, audits, or regulator findings
Serve as the Bank’s subject matter expert on Fair Lending, Equal Credit, Fair Credit Reporting, UDAAP, and related consumer compliance laws
Assist the Director of Compliance with regulatory exam preparation, on‑site support, responses, interim inquiries, and exit meetings
Oversee the quality assurance, integrity, retention, and timely reporting of HMDA data and small business/small farm lending data required under CRA
Prepare, analyze, and deliver quarterly key risk metrics, dashboards, and fair lending/CRA analytics to senior management and governance committees
Lead the Bank’s complaint management program, performing trend analysis, identifying emerging risks, and providing practical, actionable, and cost‑effective recommendations to business owners
Serve as a member of the Product & Services Strategic Implementation Committee, ensuring products, services, and delivery channels align with consumer protection and anti‑discrimination requirements
Collaborate closely with the CRA Officer and broader compliance team, including cross‑training to ensure cohesive regulatory coverage and unified program governance
Support and deliver compliance training related to Fair Lending, UDAAP, and fair banking
Lead, mentor, and develop a team responsible for executing fair lending and fair banking initiatives; provide direction, performance management, and professional development to ensure high‑quality analytical and compliance work
Assist with major compliance initiatives and regulatory implementations, including Dodd‑Frank Section 1071, system enhancements, and cross‑departmental projects impacting consumer fairness and lending data
Other duties as assigned
Qualification
Required
Bachelor's degree in business or related field OR combination of equivalent relevant work experience and high school diploma, GED, or equivalent required
7+ years' progressive experience in banking compliance or related field, with primary concentration of that experience in fair lending compliance required
Comprehensive knowledge of ECOA, FHA, HMDA, SCRA, MLA, UDAP/UDAAP, and CRA Loan Data Collection requirements
General knowledge of other federal and state banking laws, rules, and regulations
Ability to analyze federal consumer protection regulations and apply them in real-world contexts
Excellent analytical and problem-solving skills with the ability to work independently and manage multiple tasks concurrently
Strong computer skills with proficiency in MS Outlook and Office suite of products required; must have advanced skill level in Microsoft Excel
Sound organizational skills and attention to detail
Excellent verbal, written, and interpersonal communication skills with the ability to interact with all levels of Bank personnel
Preferred
Previous supervisory or management experience strongly preferred
CRCM (Certified Regulatory Compliance Manager) designation strongly preferred
Experience with related industry systems and software a plus
Company
Hilltop Holdings
Hilltop Holdings is a financial services firm specializing in mortgage origination, financial advisory, and insurance services.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Bill Lines
Chief Technology Officer
Will Furr
CFO
Recent News
2025-10-27
2025-10-25
2025-10-24
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