Compliance Consultant 4 - Personal Lending/Small Business Lending

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Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk. The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.

The Wells Fargo Consumer Lending Compliance team is responsible for overseeing consumer lending activities, which include home lending originations and servicing, auto financing, personal lines and loans, student lending and small business lending. The team provides compliance subject-matter expertise, advice, credible challenge and oversight of compliance risks, issues, and related processes for these business areas.

The Compliance Consultant is responsible for establishing and assuring execution of compliance programs for Wells Fargo Personal Lending Group (PLG) which includes Educational Financial Services (EFS), Personal Lines and Loans (PLL) and Small Business Lending (SBL), including multiple regulatory environments (e.g. OCC, Fed, CFPB, state laws) within Originations and Fulfillment, and has responsibility for:

• Compliance Advisory support for sales, originations, and fulfillment activities
• Compliance Annual Plan development and execution
• Compliance Risk Assessment activities and reporting
• Compliance Monitoring/Oversight of Originations and Fulfillment activities, and support for Independent Testing
• Compliance Policy/Procedure implementation and execution
• Compliance Training delivery and reporting
• Compliance Change Management activities
• Compliance Exam Management support
• Review and Oversight of Credit Approval Process (CAP) requests

Compliance Consultant 4 (CC4) Primary Duties and Responsibilities:
As an individual contributor, the CC4 is recognized as a subject matter expert in Wells Fargo compliance risk.

• Works with various Business and Control Teams to provide compliance risk expertise and consulting for projects and initiatives, sometimes spanning multiple business units, to identify, assess and mitigate regulatory risk
• Evaluates the adequacy and effectiveness of policies, procedures, processes, initiatives, products and internal controls
• Consults with Business and Control Teams to develop corrective action plans, and effectively manages change to ensure regulatory compliance
• Advise the businesses on compliance with regulatory requirements and business activities which generate compliance risk, particularly in the originations and fulfillment functions of our business
• Provide credible challenge to affected businesses in their assessment and management of compliance risk
• Partner with businesses to develop alternative processes and controls, as needed that mitigate compliance risk but also achieve business objectives
• Maintain subject matter expertise and knowledge of the designated businesses, regulatory requirements, and elements of the Compliance Program, with an emphasis on the front-end originations and fulfillment components

• 6+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 6+ years of IT systems security, business process management or financial services industry experience, of which 3+ years must include direct experience in compliance, operational risk management, or a combination of both

• Advanced Microsoft Office skills
• Excellent verbal, written, and interpersonal communication skills
• Strong analytical skills with high attention to detail and accuracy
• Ability to interact with all levels of an organization
• Ability to work and influence successfully within a matrix environment and build effective business partnerships with all levels of team members
• Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important
• Strong organizational, multi-tasking, and prioritizing skills
• Ability to negotiate, influence, and collaborate to build successful relationships

• Ability to travel up to 10% of the time

All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.



Relevant military experience is considered for veterans and transitioning service men and women.

Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.