Compliance Senior Associate Unsecured Credit Marketing Content Compliance

Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.  In order to receive text message invitations, your profile must include a mobile phone number designated as “Personal Cell” or “Cellular” in the contact information of your application. 

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

As the company's second line of defense, Corporate Risk — or Independent Risk Management — provides independent oversight of risk-taking activities. Independent Risk Management establishes and maintains Wells Fargo's risk management program and provides oversight, including challenges to and independent assessment of, the frontline's execution of its risk management responsibilities. We manage risk according to the Risk Management Framework and ensure all employees understand their individual accountability for managing risk. Corporate Risk roles depend on a variety of skills, including: Data analysis and synthesis, root cause analysis, change management, process management & execution, risk governance, risk strategy, risk identification & assessment, risk prevention, controls & mitigation, risk monitoring, reporting & escalation, risk systems & technology.

Consumer Lending
Wells Fargo’s Consumer Lending businesses empower millions of customers to achieve their dreams every day. Whether it’s buying a home, purchasing a car, funding a significant purchase, or making important daily credit card purchases, Consumer Lending provides important credit products and services that help our customers succeed. The group includes Home Lending; Auto; Cards, Retail and Merchant Services; Personal Lending; Consumer Lending Control; and Consumer Lending Shared Services.

The Consumer Lending team partners with other businesses across Wells Fargo to create and deliver transformational experiences that help customers gain access to credit. The vision for the Consumer Lending business is to leverage technology and data to make it simple for customers to easily access credit when and where they need it. Consumer Lending serves customers across the country through our distribution network of more than 5,300 retail banking branches and Home Lending offices, as well as online and digital channels.

Duties and responsibilities will include: 

• Reviewing assigned unsecured credit product promotional materials including marketing and advertising creatives, customer communications, scripting, targeting campaigns, disclosures, and other external and internal facing promotional materials relating to unsecured credit products within established SLAs. 
• Assisting in maintaining marketing related disclosures in the EDAM Disclosure Repository; submit change requests to the Repository through Aprimo as needed and ensure the application of these disclosures to relevant marketing and business materials.
• Working with the broader marketing compliance team to record, track, and maintain metrics relating to submission quality, volumes, SLAs, and recurring compliance issues and themes identified in reviews with the objective of improving consistency and efficiency.
• Participating in the development and maintenance of procedures, job tools and guidelines, and other supporting materials for unsecured credit marketing compliance as required by the Corporate Marketing and Advertising Policy and associated procedures. 
• Identifying and escalating emerging risks to management and risk partners as appropriate.  Collaborate with relevant lines of business, legal, and risk partners to document process and fulfillment concerns and propose solutions.
• Maintaining and fostering strong relationships with marketing, product teams, Compliance and Control partners, legal, and other line of business to facilitate discussions and resolve issues.

Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date. If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.

• 5+ years of experience in risk management (includes compliance, financial crimes, operational risk, audit, legal, credit risk, market risk, IT systems security, business process management) or 5+ years of financial services industry experience, of which 3+ years must include direct experience in risk management

• Technical Writing experience, preferably in the banking industry
• Excellent verbal, written, and interpersonal communication skills
• Strong analytical skills with high attention to detail and accuracy
• Outstanding problem solving and decision making skills
• Intermediate Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills

• Experience working on or supporting marketing strategies and campaigns
• Marketing collateral and business material review experience, including experience with Aprimo 
• Strong knowledge of Wells Fargo consumer credit card, co-brand, core benefits, rewards, personal loans, and Retail Services products
• 2+ years of Consumer Protection regulations experience including, but not limited to Regulation Z, Regulation B, Fair Credit Reporting Act, CAN SPAM, and UDAAP
• Extensive banking compliance experience with an in depth understanding of risk management relating to unsecured consumer credit products, collections activities, customer service and complaints
• Ability to work effectively and independently in a fast-paced, changing environment
• Experience with the interpretation of laws, rulings, and regulations impacting the supported lines of business
• Providing advice that protects the Bank’s reputation and mitigates regulatory risk
• An active Certified Regulatory Compliance Manager (CRCM) designation 
• Experience working with examiners and internal auditors

• Ability to travel up to 10% of the time
• Willingness to work on-site at stated location on the job opening

NC-Charlotte: 401 S Tryon St - Charlotte, NC
TX-Irving: 5000 Riverside Drive - Irving, TX
IA-West Des Moines: 7001 Westown Pkwy - West Des Moines, IA
MN-Minneapolis: 600 S 4th St - Minneapolis, MN
AZ-Tempe: 1150 W Washington St - Tempe, AZ
MO-Saint Louis: 1 N Jefferson Ave - Saint Louis, MO

• 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.

Benefits
 

Visit https://www.wellsfargo.com/about/careers/benefits for benefits information.