As Mercury's first Community Reinvestment Act (CRA) Officer, you will build and lead a scalable, regulator-ready CRA program in preparation for bank charter readiness. This role combines strategic program design with operational execution, ensuring Mercury can establish and run a CRA program aligned with regulatory expectations and a digital-first business model.

You will define how Mercury shows up for the communities we serve, translating regulatory requirements into a program that is credible, measurable, and integrated into how we operate.

Responsibilities:

• Build and own Mercury's CRA program end-to-end, including policies, procedures, and governance framework
• Develop and execute against the CRA strategic plan, including coordination of internal partners and community organizations within the Bank's assessment areas
• Engage with Bank Leadership on CRA mapping on the applicability of Mercury's product offerings
• Own CRA reporting, delivering clear, credible updates on the Bank's CRA performance to senior leadership and Board-level stakeholders
• Maintain and update the CRA Public File in accordance with regulatory requirements
• Create training and provide guidance to bank staff regarding CRA requirements, community development opportunities, and regulatory expectations
• Manage CRA data integrity including CRA loans, Community Development loans, qualified investments, donations, and CRA service hours
• Maintain relationships with community organizations, economic development groups, and housing organizations to identify community credit needs
• Serve as primary CRA contact during regulatory examinations and independent audits; coordinate responses and corrective action plans
• Oversee the Bank's volunteer program to meet Strategic Plan commitments
• Identify and help evaluate community development opportunities, including grants, investments and lending significant enough to meet asset target goals
• Maintain records and documentation on all CRA activities and programs

Requirements:

• 5+ years of demonstrated passion for and experience in CRA, and community development; digital banking* and/or strategic plan CRA experience preferred
• Strong understanding of CRA regulations and regulatory expectations
• Experience building or managing CRA programs in evolving or ambiguous environments
• Experience leading regulatory facing CRA examinations
• Strong cross-functional collaboration skills and ability to influence without direct authority

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