SENIOR FINANCIAL NON-DEPOSITORY EXAMINER (FINANCIAL NON-DEPOSITORY EXAMINER LEAD
State of Maryland, Baltimore, MD, United States
A Financial Non-Depository Examiner, Lead is the lead level of financial examination work. Employees in this classification examine the accounts, records, consumer transactions and business practices of non-depository financial institutions (i.e., consumer loan, sales finance, installment loan, mortgage lenders, collection agencies, check cashiers, money transmitters and debt management companies) primarily located at the business’ headquarters.
Grade
19
Location of Position
100 S. Charles Street, Baltimore, MD 21201
Main Purpose of Job
The Examiner Lead/Advanced conducts and leads risk-focused examinations of licensed non-depository financial institutions regulated by the Office of Financial Regulation (OFR), including but not limited to money services businesses (e.g., money transmitters) and consumer lenders. Examinations assess compliance with applicable state and federal laws and regulations and evaluate whether Licensees operate in a safe, sound, lawful, honest, and fair manner that protects consumers and the integrity of the financial system. This position serves as Examiner-in-Charge (EIC) for complex and higher-risk examinations with full responsibility for planning, coordinating, and executing the examination process from scoping through report issuance. The Examiner Lead/Advanced directs examination activities, assigns and reviews work performed by Examiner Trainee, Examiner I and Examiner II staff, ensures examination procedures are properly executed, and approves workpapers and findings for accuracy, completeness, and regulatory sufficiency. While this position provides technical leadership, mentoring, and quality control oversight, it does not serve in a formal supervisory capacity. In addition to examination leadership responsibilities, the Examiner Lead/Advanced supports the Director in strengthening supervisory programs, enhancing examination methodologies, improving policies and procedures, and advancing agency strategic initiatives related to the oversight of Licensees. The Examiner Lead/Advanced reports to the Director of Money Services and Consumer Credit Supervision. This advanced-level examiner classification operates with a high degree of independence and professional judgment and may, in management’s discretion, work remotely in accordance with the Agency’s telework policies.
Position Duties
Schedule, assign, and supervise regulatory examinations of money transmitters and other Licensees to ensure compliance with applicable federal and state laws and regulations.
Review licensees’ responses to examination findings and resolve escalated issues that arise between examination staff, licensees, and other agency staff during independent or joint examinations.
Review workpapers, draft findings, and reports of examinations prepared by other examiners for quality, accuracy, and consistency.
Train and provide advice and guidance to Examiners in all facets of the examination process.
Assist with resolving escalated issues between examination staff, licensees, and agency staff during independent or joint examinations.
Minimum Qualifications
Experience:
Eight years overall, with four years of experience examining or auditing the accounts, records, and business practices of non‑depository financial institutions or in managerial or professional work in the financial services, consumer loan, sales finance, installment loan, mortgage lenders, collection agencies, check cashiers, money transmitters, debt management and/or law enforcement industries, plus four additional years of regulatory, investigatory, managerial or professional experience in the financial services industry, consumer credit industry, mortgage lending industry, accounting or auditing work, or state or federal regulatory experience.
Notes:
Possession of a Bachelor’s degree from an accredited college or university, supplemented by a total of 24 credit hours in business administration, finance, economics, law, criminal justice or accounting and four years of relevant experience, qualifies in place of one year of required experience, with a minimum of six credit hours in accounting or auditing.
A Juris Doctor degree from an accredited law school, a Certified Public Accountant certificate, or a Master’s degree in business administration or accounting may substitute for one year of required experience.
U.S. Armed Forces military service as a commissioned officer in logistics specialist or administrative support specialty codes in financial management or auditing fields may substitute for one year of required experience on a year‑for‑year basis.
Selective Qualifications
1 year of experience in BSA/AML, digital assets or cryptocurrency, cybersecurity, or financial statement review.
Desired or Preferred Qualifications
1 year of supervisory or leadership experience.
Served as Examiner in Chief (EIC) on a state or federal financial regulatory examination.
Preferred certifications:
CAMS (Certified Anti‑Money Laundering Specialist)
CFE (Certified Fraud Examiner)
CISA (Certified Information Systems Auditor)
CRCM (Certified Regulatory Compliance Manager)
CPA (Certified Public Accountant)
CIA (Certified Internal Auditor)
CMBE (Certified Money Service Business Examiner)
Licenses, Registrations and Certifications
Employees in this classification may be assigned duties which require the operation of a motor vehicle. Employees assigned such duties will be required to possess a motor vehicle operator’s license valid in the State of Maryland.
Special Requirements
Employees in this classification may be required to attend advanced formal training classes to maintain professional proficiency and current knowledge. Some training classes may be out‑of‑state and require overnight stays. All candidates are subject to a background check against records maintained by the Division of Unemployment Insurance (LABOR/DUI) to determine whether any monies are owed to LABOR/DUI as a result of unemployment overpayment or fraud. Any unpaid debt may impact eligibility for employment.
Benefits
STATE OF MARYLAND BENEFITS
Equal Opportunity Statement
Maryland Department of Labor is an equal opportunity employer. It is the policy of LABOR that all persons have equal opportunity and access to employment opportunities, services, and facilities without regard to race, religion, color, sex, age, national origin or ancestry, marital status, parental status, sexual orientation, disability or veteran status.
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Grade
19
Location of Position
100 S. Charles Street, Baltimore, MD 21201
Main Purpose of Job
The Examiner Lead/Advanced conducts and leads risk-focused examinations of licensed non-depository financial institutions regulated by the Office of Financial Regulation (OFR), including but not limited to money services businesses (e.g., money transmitters) and consumer lenders. Examinations assess compliance with applicable state and federal laws and regulations and evaluate whether Licensees operate in a safe, sound, lawful, honest, and fair manner that protects consumers and the integrity of the financial system. This position serves as Examiner-in-Charge (EIC) for complex and higher-risk examinations with full responsibility for planning, coordinating, and executing the examination process from scoping through report issuance. The Examiner Lead/Advanced directs examination activities, assigns and reviews work performed by Examiner Trainee, Examiner I and Examiner II staff, ensures examination procedures are properly executed, and approves workpapers and findings for accuracy, completeness, and regulatory sufficiency. While this position provides technical leadership, mentoring, and quality control oversight, it does not serve in a formal supervisory capacity. In addition to examination leadership responsibilities, the Examiner Lead/Advanced supports the Director in strengthening supervisory programs, enhancing examination methodologies, improving policies and procedures, and advancing agency strategic initiatives related to the oversight of Licensees. The Examiner Lead/Advanced reports to the Director of Money Services and Consumer Credit Supervision. This advanced-level examiner classification operates with a high degree of independence and professional judgment and may, in management’s discretion, work remotely in accordance with the Agency’s telework policies.
Position Duties
Schedule, assign, and supervise regulatory examinations of money transmitters and other Licensees to ensure compliance with applicable federal and state laws and regulations.
Review licensees’ responses to examination findings and resolve escalated issues that arise between examination staff, licensees, and other agency staff during independent or joint examinations.
Review workpapers, draft findings, and reports of examinations prepared by other examiners for quality, accuracy, and consistency.
Train and provide advice and guidance to Examiners in all facets of the examination process.
Assist with resolving escalated issues between examination staff, licensees, and agency staff during independent or joint examinations.
Minimum Qualifications
Experience:
Eight years overall, with four years of experience examining or auditing the accounts, records, and business practices of non‑depository financial institutions or in managerial or professional work in the financial services, consumer loan, sales finance, installment loan, mortgage lenders, collection agencies, check cashiers, money transmitters, debt management and/or law enforcement industries, plus four additional years of regulatory, investigatory, managerial or professional experience in the financial services industry, consumer credit industry, mortgage lending industry, accounting or auditing work, or state or federal regulatory experience.
Notes:
Possession of a Bachelor’s degree from an accredited college or university, supplemented by a total of 24 credit hours in business administration, finance, economics, law, criminal justice or accounting and four years of relevant experience, qualifies in place of one year of required experience, with a minimum of six credit hours in accounting or auditing.
A Juris Doctor degree from an accredited law school, a Certified Public Accountant certificate, or a Master’s degree in business administration or accounting may substitute for one year of required experience.
U.S. Armed Forces military service as a commissioned officer in logistics specialist or administrative support specialty codes in financial management or auditing fields may substitute for one year of required experience on a year‑for‑year basis.
Selective Qualifications
1 year of experience in BSA/AML, digital assets or cryptocurrency, cybersecurity, or financial statement review.
Desired or Preferred Qualifications
1 year of supervisory or leadership experience.
Served as Examiner in Chief (EIC) on a state or federal financial regulatory examination.
Preferred certifications:
CAMS (Certified Anti‑Money Laundering Specialist)
CFE (Certified Fraud Examiner)
CISA (Certified Information Systems Auditor)
CRCM (Certified Regulatory Compliance Manager)
CPA (Certified Public Accountant)
CIA (Certified Internal Auditor)
CMBE (Certified Money Service Business Examiner)
Licenses, Registrations and Certifications
Employees in this classification may be assigned duties which require the operation of a motor vehicle. Employees assigned such duties will be required to possess a motor vehicle operator’s license valid in the State of Maryland.
Special Requirements
Employees in this classification may be required to attend advanced formal training classes to maintain professional proficiency and current knowledge. Some training classes may be out‑of‑state and require overnight stays. All candidates are subject to a background check against records maintained by the Division of Unemployment Insurance (LABOR/DUI) to determine whether any monies are owed to LABOR/DUI as a result of unemployment overpayment or fraud. Any unpaid debt may impact eligibility for employment.
Benefits
STATE OF MARYLAND BENEFITS
Equal Opportunity Statement
Maryland Department of Labor is an equal opportunity employer. It is the policy of LABOR that all persons have equal opportunity and access to employment opportunities, services, and facilities without regard to race, religion, color, sex, age, national origin or ancestry, marital status, parental status, sexual orientation, disability or veteran status.
#J-18808-Ljbffr