Compliance and Audit Manager

EnFin is a financial services company that provides financing for residential solar PV and energy efficiency upgrades backed by the PV panel manufacturer Qcells.  EnFin is seeking an experienced audit & compliance manager to assist our Chief Compliance Officer for the consumer lending platform.  The ideal candidate is an experienced professional with audit compliance & credit risk experience gained through working with financial institutions or regulators. Experience in the fintech lending sector is a plus.

Responsibilities

• Enhance and manage a comprehensive compliance audit program encompassing key regulations including but not limited to ECOA (Equal Credit Opportunity Act) TILA (Truth in Lending Act) FCRA (Fair Credit Reporting Act) BSA (Bank Secrecy Act)/AML (Anti-Money Laundering) and GLBA (Gramm-Leach-Bliley Act TCPA) and Complaint Management.

• Conduct risk-based audits of loan origination servicing and complaint handling processes.

• Analyze audit findings identify potential non-compliance issues and recommend corrective action plans.

• Oversee the implementation of corrective actions to ensure continuous improvement in compliance practices.

• Manage borrower complaints ensuring they are received investigated and resolved in a timely and efficient manner.

• Stay updated on changes in consumer protection laws regulations and emerging compliance risks.

• Prepare comprehensive audit reports for management and regulatory agencies (if required).

• Liaise with external auditors during compliance examinations.

• Partner with business units to ensure compliance considerations are integrated throughout loan origination servicing and other relevant processes.

• Complete annual risk assessment and derive audit calendar.

• Develop and implement a comprehensive audit schedule for reviewing closed consumer loan complaints.

• Define clear audit criteria and ensure consistent application during complaint reviews.

• Lead the independent review of selected complaints identifying root causes and assessing adherence to regulations and internal policies.

• analyze audit findings and identify trends in customer complaints.

• Prepare and present comprehensive audit reports including recommendations for improvement in complaint handling policies and procedures.

• Develop and implement corrective action plans to address identified issues in complaint resolution processes.

• Liaise with relevant departments (e.g. Customer Service Legal) to ensure information sharing and coordinated efforts in addressing customer complaints.

Required Qualifications

• Bachelor's degree

• 7+ years experience progressive audit experience

• CPA or relevant certification preferred

• Work collaboratively with senior management to ensure the effective implementation of corrective actions

• Promote a culture of fair lending practices and ethical complaint resolution within the organization

• Monitor and analyze complaint data to identify emerging trends and potential risks.

• Perform other duties as assigned by the Chief Compliance Officer.

Preferred Qualifications

• MBA or master’s degree in accounting

Hanwha Q CELLS America Inc. (“HQCA”) is headquartered in Irvine CA and handles sales for the North American region. It is a subsidiary of Hanwha Q CELLS Co. Ltd. one of the world´s largest and most recognized photovoltaic manufacturers for its high-performance high-quality solar cells and modules. It is headquartered in Seoul South Korea (Global Executive HQ) Thalheim Germany (Technology & Innovation HQ) and San Francisco USA (Energy Storage/Inverter & Software HQ). Through its growing global business network spanning Europe North America Asia South America Africa and the Middle East the company provides excellent services and long-term partnerships to its customers in the utility commercial government and residential markets. Hanwha Q CELLS is a flagship company of Hanwha Group a FORTUNE Global 500 firm and a Top 8 business enterprise in South Korea. HQCA recently acquired Geli a leading developer of Energy Management System software for energy storage solar and other renewable resources.

Benefits*

·   Medical Dental Vision

·   Paid Time Off

·   Tuition Reimbursement

·   401K

·   Paid Holidays

* All benefits dependent on role and eligibility

Physical Mental & Physical Demands

To comply with the Rehabilitation Act of 1973 the essential physical mental and environmental requirements for this job are listed below. These are requirements normally expected to perform regular job duties. Incumbent must be able to successfully perform all of the functions of the job with or without reasonable accommodation.

Mobility

Standing: 20% of time

Sitting: 70% of time

Walking: 10% of time

Strength

Pulling: up to 10 Pounds

Pushing: up to 10 Pounds

Carrying: up to 10 Pounds

Lifting: up to 10 Pounds

Agility (F = Frequently O = Occasionally N = Never)

Turning: F

Twisting: F

Bending: O

Crouching: O

Balancing: N

Climbing: N

Crawling: N

Kneeling: N

Dexterity (F = Frequently O = Occasionally N = Never)

Typing: F

Handling: F

Reaching: F

All qualified applicants will receive consideration for employment without regard to race color religion age sex sexual orientation gender identity national origin disability or status as a protected veteran.

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