聚光灯
风险经理、内部审计员、认证中尉、认证经理、合规总监、合规运营经理
Every organization on Earth has some sort of financial structure, whether it’s a “mom and pop” store, a nonprofit, a company, an insurance firm, or a government agency. And whenever money is involved, you can bet there are rules and regulations about how that money gets used. That’s why most organizations have at least one dedicated Financial Compliance Officer on staff to keep them out of legal trouble.
Financial Compliance Officers carefully review balance sheets, income statements, and other financial documents. They meticulously screen for discrepancies and ensure compliance with applicable federal and state regulations (plus any other guidelines they’re asked to watch out for). Their goal is to find and prevent oversights, errors, and fraud that could impact the integrity of their employer’s finances.
"我的工作是对我们目前的政策、程序、做法和工作流程进行审查，以了解我们是否遵守了所有州和联邦法律。如果我能找到一个可以改进的领域，我就帮助制定旨在减少风险的方案。我还审查和评估供应商的合同，以确定该公司是否能够提供所需的服务，是否为支持我们的整体需求做好了充分的准备，然后建立实际的合同供签署。作为我工作中更重要的一个方面，我每月对商业行为进行风险评估。我帮助确定可以改进的地方，然后将这些传递给经理，并帮助制定更好的文件流程和质量控制审查。"Jarrett Wright Carson，合规经理，阿拉斯加美国家庭联盟
- Playing a critical role in preventing financial misconduct and crises
- Opportunities to work in a wide range of organizations
- Collaborating with teams to enhance compliance and risk management
"我可以看到我的工作的好处是，我的员工能够帮助客户和我们组织内的其他部门。我可以辅导、发展和指导我的员工，使他们成为领导这个公司的下一个管理群体。" Jarrett Wright Carson，合规经理，阿拉斯加美国家庭联盟
工作日程
- Financial Compliance Officers typically work full-time, with the potential for overtime during audits and examination periods.
典型职责
- Develop and implement risk management strategies and compliance audit plans, procedures, documentation, databases, and tracking systems
- Forge relationships with stakeholders to ensure effective communication and cooperation
- Conduct internal audits, self-assessments, and thorough reviews of financial statements and records to ensure compliance with regulations and identify potential risks and irregularities
- Prepare detailed reports of findings and recommend corrective actions
- Monitor ongoing compliance; follow up on previous findings to make sure they’ve been addressed
- Evaluate the effectiveness of internal controls. Recommend improvements, as needed
- Ensure institutions adhere to federal and state laws and regulations, and submit accurate and timely regulatory filings and reports
- Ensure compliance with anti-money laundering and know-your-customer regulations
- Collaborate with legal and regulatory teams; liaise with external regulatory bodies and auditors
- Train staff on compliance requirements and best practices
Investigate complaints and potential violations of financial regulations - Implement and oversee whistleblower policies and procedures
- Conduct special investigations into potential financial misconduct or regulatory breaches
额外责任
- Stay current with financial regulations and examination techniques
- Engage in professional development opportunities
- Provide guidance and support to junior officers and other staff
- Assist in the preparation for regulatory examinations and audits
"我典型的一天首先是以会议开始的。我试图总是开一个团队会议，以确定我的部门内需要完成的优先次序。在这个会议上，我专注于工作的优先次序，确保我和我的团队在同一条船上，然后确保我知道是否有任何可能出现的问题。沟通是关键。在这个最初的会议之后，通常我会审查我的日常和生产跟踪器。这使我能够看到我的 "待办事项清单 "上有什么，优先事项，以及谁需要这些。然后，我开始挑选优先级最高的项目或可以最快完成的项目，并慢慢攻克清单。这有时需要大量阅读、合同、法律文件、联邦或州法律等。午饭后，我就换个角度，开始关注我的团队所做的培训工作。我们制定培训计划，这使我能够专注于这一领域，而不会有太多的分心。在一天即将结束的时候，我对我的团队所完成的工作和我所做的工作进行非正式的回顾，然后为第二天的工作和晨会制定一个计划。Jarrett Wright Carson，合规经理，阿拉斯加美国金融联盟
软技能
- 积极倾听
- 适应性
- 分析性的
- 以合规为导向
- 批判性思维
- 注重细节
- 纪律
- 金融敏锐度
- 诚信
- 耐心
- 坚持不懈
- 劝说
- 规划和组织
- 解决问题的能力
- Skepticism
- 健全的判断力
- 强大的沟通能力
- 团队合作
- 时间管理
技术技能
- Data analysis and interpretation, using tools like Microsoft Excel, Tableau, or SPSS to identify trends and anomalies
- Familiarity with regulatory compliance software such as SAS, MetricStream, or IBM OpenPages for monitoring and ensuring compliance
- Knowledge of financial regulations and standards, utilizing tools like Wolters Kluwer Compliance Solutions
- Proficiency in financial analysis and auditing techniques and programs, utilizing software like QuickBooks, SAP, or ACL Analytics for thorough financial reviews
- Report writing, using Microsoft Word or Google Docs
- Risk management, employing tools like Archer or RiskWatch to develop and implement effective risk mitigation strategies
- Understanding of banking and financial systems, using platforms like Fiserv, Jack Henry, or Oracle Financial Services to manage and oversee banking operations
- Banks and credit unions
- Companies and corporations
- Financial consulting firms
- 政府机构
- 保险公司
- Investment firms
- 非营利组织
Financial Compliance Officers are expected to maintain high standards of accuracy and integrity. Their role is crucial in identifying and mitigating risks within their employing institutions. There’s a ton of pressure to ensure compliance and avoid fines or sanctions, so they must be vigilant and detail-oriented because even minor oversights can lead to significant repercussions.
The job requires extensive research and continuous education to keep up with changing laws and regulations. Hours can be long and the role can be stressful at times, but there’s job satisfaction from protecting organizations and consumers from financial misconduct. Also, the skills and experience gained in this role can open doors to advanced positions within the field!
The financial industry is increasingly utilizing technology to improve compliance processes. Automation, artificial intelligence, and blockchain are becoming integral in detecting irregularities and ensuring transparency. Regulatory Technology solutions are on the rise, helping compliance officers manage regulatory requirements by streamlining reporting, enhancing risk management, and reducing the time and cost of compliance activities.
There’s also a growing emphasis on sustainable finance and environmental, social, and governance regulations. Financial compliance officers are thus charged with ensuring their institutions adhere to these strict standards and exhibit more responsible corporate behavior!
- 玩棋盘游戏，探索规则。
- 阅读书籍和解决问题。
- 保持个人物品的有序性。
- A bachelor’s degree in finance, accounting, business administration, or a related field is typically required to get started. However, relevant work experience is also essential. Some companies offer on-the-job training, internships, or other mentorship programs, but most Financial Compliance Officers still have to work their way up to the role
- Workers require in-depth knowledge of finance, auditing, compliance, financial regulations, and standards. They should also be proficient with compliance and financial analysis software and must understand risk management principles and practices
- Continuous professional development (via classes, certifications, conferences, workshops, and seminars) is needed to stay updated on regulatory changes and industry best practices
- Advanced positions may require a master’s degree and/or additional certifications such as:
- Certified Public Accountant (CPA)
- Certified Internal Auditor (CIA)
- Certified Regulatory Compliance Manager (CRCM)
- Certified Anti-Money Laundering Specialist (CAMS)
- Certified Fraud Examiner (CFE)
- Certified Global Sanctions Specialist (CGSS)
- Look for reputable, accredited college programs in finance, accounting, or business administration, with programs emphasizing financial regulations, auditing, and compliance.
- Decide early if you plan to pursue a master’s. It may be easier to complete a bachelor’s and master’s at the same school, perhaps via a dual program.
- In addition, consider the following:
- Costs of tuition (including in-state versus out-of-state tuition rates).
- Discounts or scholarship options.
- 联邦援助是否有助于支付费用。
- Whether to enroll in an on-campus, online, or hybrid program.
- The experience and achievements of the faculty.
- Opportunities for internships or cooperative learning.
- 毕业生就业统计和有关该专业校友网络的详细信息。
- Study hard in math, finance, economics, statistics, business, physics, and computer science/programming classes
- Volunteer for student activities where you can manage money and learn practical soft skills
- Consider applying for part-time jobs in accounting or finance
- Review job postings in advance to see what the average requirements are. If you know which company or employer you want to work for, ask to schedule an informational interview with one of their working compliance officers to learn more about their jobs
- Seek out internships and cooperative experiences in college
- Keep track of the names and contact info of people who might serve as future job references
- Study books, articles, and video tutorials related to financial laws. Participate in online discussion groups
- 参与专业组织，学习、分享、交朋友，并扩大你的网络（见我们的资源清单>网站）。
- Knock out any relevant certifications as soon as you can to bolster your credentials and make you more competitive in the job market
- Get some practical work experience under your belt before applying, if possible. Jobs related to finance, accounting, and business will look good on an application
- A master’s isn’t needed to get started working in this field, but a graduate degree may put you ahead of the competition
- Let your network know you are looking for work. Most job opportunities are still discovered through personal connections
- Check out job portals such as Indeed, Simply Hired, and Glassdoor, as well as the career pages of companies you are interested in working for
- Check out a few online Financial Compliance Officer resume templates for formatting and phrasing ideas
- Screen job ads carefully and only apply if you’re fully qualified. Include keywords in your resume, such as:
- AML/KYC Compliance
- Artificial Intelligence in Compliance
- Audit Procedures
- Blockchain Technology
- Compliance Databases
- Data Analysis (Excel, Tableau, SPSS)
- 财务分析
- Financial Reporting
- Financial Systems (QuickBooks, SAP, Fiserv)
- Internal Controls
- RegTech Solutions
- Regulatory Compliance Software (SAS, MetricStream, IBM OpenPages)
- Risk Management (RSA Archer, RiskWatch)
- Finance-related apprenticeships or cooperative experiences can help get your foot in the door. They look great on resumes plus may yield some personal references for later
- Move to where the most job opportunities are! Some states with the highest employment level for finance jobs are New York, California, Texas, Illinois, and Florida
- 许多大公司从当地的项目中招聘毕业生，所以请你学院的项目或职业中心帮助联系招聘人员和招聘会。
- Career centers also offer assistance with resume writing and mock interviewing!
- Ask former teachers and supervisors if they’ll serve as personal references. Don’t give out their contact info without permission
- Make an account on Quora to ask job advice questions from workers in the field
- Financial Compliance Officer interview questions to prepare your responses. Sample questions might include: “What are the key regulatory frameworks that a Financial Compliance Officer should be familiar with?” or “How do you handle conflicts between compliance requirements and business objectives?”
- Dress appropriately for job interview success!
"要有一份有效的简历，不要仅仅列出工作的职责。谈一谈你做了什么，以及你做得有多好。重点放在行动、影响和结果上。你做了什么，为公司做了什么，以及你的行动的最终结果是什么。你的简历应该有多长就有多长，以说服读者你是这个工作的合适人选"。Jarrett Wright Carson，阿拉斯加美国金融联盟合规经理
- Be resilient and maintain your professionalism at all times. Build your reputation as an ethical Financial Compliance Officer who offers feasible ideas and solutions to problems
- Constantly listen to and learn from other seasoned professionals so you can avoid issues they may have encountered
- 表现出承担更多责任和处理日益复杂任务的意愿
- Knock out additional education and training to improve your technical skills
- Keep growing your professional network. Attend events, conferences, and workshops
- Seek feedback from supervisors and colleagues to identify areas for improvement
- Consider relocating or switching employers if necessary to achieve career goals
- Stay informed about industry trends and changes by reading industry publications and joining professional associations
- Develop your analytical skills to analyze complex data and identify potential compliance risks. Learn about new programs and technologies
- Cultivate strong communication skills to explain complex regulations clearly to different stakeholders
- Demonstrate leadership by leading compliance projects, mentoring junior staff, and contributing to your team’s success
- Be detail-oriented in reviewing documents, monitoring compliance activities, and ensuring all regulatory requirements are met
- Build strong relationships with regulatory bodies to better understand their expectations and facilitate smoother compliance audits and inspections
- Foster a culture of compliance within your organization by training staff, promoting ethical behavior, and ensuring everyone understands the importance of compliance.
"牺牲和奉献。牺牲你不需要或不应该做的事情，换取你知道会帮助你变得更好的事情。对你的计划要有奉献精神。你的计划将帮助你实现你的总体目标"。Jarrett Wright Carson，阿拉斯加美国金融联盟合规经理
网站
- 美国银行家协会
- American Compliance Association
- Association of Certified Anti-Money Laundering Specialists
- Association of Certified Chief Financial Officers
- Bankers Online
- Compliance & Ethics Blog
- Compliance Today
- Compliance Week
- Corporate Compliance Insights
- 金融业监管局
- Global Association of Risk Professionals
- Institute for Financial Markets
- 内部审计师协会
- International Compliance Association
- Journal of Financial Compliance
- National Association of State Boards of Accountancy
- National Society of Compliance Professionals
- Regulatory Compliance Watch
- Risk & Compliance Journal
- Risk Management Association
- Securities and Exchange Commission
- Thomson Reuters Compliance Learning
书籍
- Financial Regulation: Law and Policy by Michael S. Barr
- Principles of Financial Regulation, by John Armour, et. al.
- The Essentials of Risk Management by Michel Crouhy, et. al.
Financial Compliance Officers bear professional responsibility for keeping their organizations compliant with numerous regulations. Sometimes, mistakes still happen and companies get fined or even prosecuted. In rare cases, the compliance officers themselves may face personal liability if they also made mistakes. As a result, it is important to weigh the career’s rewards with its potential risks!
For those who want to explore alternative career paths that rely on similar skills, check out our list below.
- 报关员
- 文件管理专家
- 环境合规督察
- 平等机会代表
- 财务分析师
- Forensic Accountant
- Government Property Inspector
- Internal Auditor
- Quality Control Systems Manager
- Regulatory Affairs Manager
- 风险经理
银行合规部是金融审查员这个大群体的一部分。它不仅是帮助企业解决法律上的复杂问题，而且也是帮助企业解决道德上的复杂问题。如果你是一个想帮助防止欺诈或其他金融问题的人，这是一个很好的职业道路。这些人，在他们最好的时候，可以帮助组织蓬勃发展，同时真正帮助他们的客户。
你需要善于处理法律事务，同时对金融界有一定的了解。
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