Consumer Banking Governance Analyst

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people's success - today and tomorrow.

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment - investing the time and resources to understand our clients' immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).

Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News' Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate's 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com.

Summary:

The Consumer Banking Governance Analyst is responsible for overseeing the identification, documentation, tracking, and resolution of operational and compliance-related issues across the Consumer and Retail Banking line of business. This role ensures that issues are managed in accordance with regulatory expectations, internal policies, and the firm's risk management framework. Additionally, the Consumer Banking Governance Analyst is responsible for maintaining the business line's procedure and process flow inventory, in addition to complaint monitoring and reporting activities. The ideal candidate will have strong communication, problem solving and analytical skills, a deep understanding of consumer banking operations, and experience in issue lifecycle management.

Responsibilities:

Issue Management

• Manage the end-to-end process of issue identification, documentation, root cause analysis, remediation planning, and resolution tracking for the Consumer and Retail line of business.

• Ensure adherence to the firm's enterprise risk governance frameworks.

• Prepare reporting and deliver presentations to the line of business stakeholders and senior management.

• Collaborate with business units, Compliance, Risk Management, Legal, Audit and Control Office functions to ensure timely resolution of issues and implementation of corrective actions.

• Serve as the Issue Management subject expert and point of contact for the line of business.

• Maintain detailed records of issues and their resolutions in the Firm's GRC platform.

Process and Procedure Governance

• Manage the process flow and procedure inventories for the Consumer and Retail line of business.

• Maintain the centralized repositories of all process flows and procedures and ensure version control.

• Facilitate annual and ad hoc reviews to ensure documentation remains current.

• Ensure procedures are aligned with regulatory requirements and internal policies.

• Collaborate with the line of business to identify procedural gaps and implement improvements.

• Serve as the central point of contact for procedural inquiries and guidance.

Complaint Monitoring and Reporting

• Monitor consumer complaints for the Consumer and Retail line of business.

• Analyze complaint data to identify trends, recurring issues, and root causes.

• Prepare and present reporting to stakeholders, highlighting key insights and areas for improvement.

• Coordinate consumer complaint timelines for submissions received by Regulatory agencies.

• Participate in initiatives to improve complaint handling processes and tools.

• Other duties as assigned

Qualifications:

• Bachelor's degree in Business, Finance, Risk Management or a related field preferred.

• 3+ years of experience in issue management, risk management, compliance, or internal audit within the banking or financial services industry preferred.

• Knowledge of regulatory requirements within the banking or financial services industry.

• Experience with issue lifecycle management and GRC tools.

• Excellent analytical, organizational, and communication skills.

• Ability to influence and collaborate across a large organization.

• Proficiency in PowerPoint, Word, and Excel.

• Strong time management skills with the ability to work independently.

• Strong written and verbal communication skills.

• Proven ability to proactively solve problems and develop strategic recommendations at a financial institution (or similar)

• Experience participating in large-scale change efforts and/or large and complex initiatives.

• Ability to perform effectively in an ever-evolving environment and successfully address multiple, high-priority matters.

• Experience with Control, Legal, Audit and Regulatory requirements.

• Exceptional organization and facilitation skills.

• Strong attention to detail and ability to understand risks and integration/interdependency of risks.

• Ability to collaborate with key stakeholders to achieve common ground and resolve obstacles to success.

Skills:

• Business knowledge - ability to understand the business and knowledge of regulation surrounding the business.

• Work autonomously to affect change - flexible, adaptable to shifting priorities; manage competing priorities to achieve the most effective result and able to work in a fast-paced, results driven environment.

• Decision Making/Judgement - moderate level of independent decision-making using sound judgement.

• Communication/presentation - excellent written and verbal communication skills with an ability to influence business leaders in a meaningful and actionable manner.

• Problem solving / Analytical skills - solid critical thinking, attention to detail and analytical skills; able to synthesize large amounts of data and formulate appropriate conclusions

• Understanding root cause / identifying control breaks

• Developing timely and sustainable solutions

• Analyze metrics for emerging risk

• Implementation skills

• Writing Action Plans, Procedures

• Change Management

• Networking - strong interpersonal skills; strong collaboration and relationship building skills.

The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.