Senior Risk Compliance Officer - Deposit Compliance

**Job Description** **SUMMARY** Lead the deposit compliance program across products, channels, and operations. Serve as the primary adviser to deposit operations, digital banking, and branch leadership on regulatory obligations and client-impacting risks. Drive risk assessments, issue management, and regulatory change management to protect our clients and the bank. **Essential Duties And Responsibilities** * Regulatory advisory and interpretation * Provide clear, practical guidance to associates on deposit regulations and emerging regulatory expectations. * Review and sign off on business requirements, product changes, marketing, and client communications for compliance impact. * Risk assessment and control oversight * Own the deposit compliance risk assessment; identify inherent risks, controls, residual risk, and key risk indicators (KRIs). * Issue management and remediation * Investigate potential breaches, client harm, and complaints trends; determine root cause and client remediation. * Track, challenge, and verify timely closure of issues and action plans. * Regulatory change management * Lead end-to-end change intake for new/updated rules; assess impact, gap controls, and ensure durable implementation. * Serve as deposit compliance subject-matter expert during regulatory exams and internal audits. * Policies, procedures, and training * Own or co-own deposit compliance policies/standards; review and challenge first-line procedures. **SUPERVISORY RESPONSIBILITIES** * No supervisory responsibilities **QUALIFICATIONS** **Qualifications** To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position: * Bachelor (4-year college) degree * 5+ years of Banking experience or equivalent combination of education and experience * Previous experience in risk management, internal audit, compliance, or control testing preferred. * Professional certification preferred (e.g., CRCM or equivalent). * Familiarity with relevant banking regulations (e.g., FRB, CFPB, FDIC) and control frameworks preferred. * Strong analytical skills and attention to detail. * Excellent written and verbal communication abilities. * Proficiency in MS Office Suite; experience with audit or risk management software is a plus. **COMPUTER AND OFFICE EQUIPMENT SKILLS** * Microsoft Office suite **CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)** None required **About Us** First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com . **Benefit Highlights** * Medical with wellness incentives, dental, and vision * HSA with company match * Maternity and parental leave * Tuition reimbursement * Mentor program * 401(k) with 6% match * More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits **Follow Us** Facebook X formerly Twitter LinkedIn Instagram YouTube