Flood Insurance Risk Manager

Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers.

This is a full-time career opportunity that can be remote within the Fulton Bank footprint as follows: DC, DE, MD, NJ, PA, VA. Must have the ability to be onsite once per quarter at our headquarters location in Lancaster, PA

The Manager, Flood Insurance Risk serves as the first line of defense leader responsible for overseeing adherence to the Bank's Flood Disaster Protection Act (FDPA) compliance program. This role leads a specialized team that performs pre-closing flood compliance reviews for all real estate-secured lending across commercial, consumer, and residential portfolios. The position ensures the Bank's flood compliance meets regulatory expectations, reduces operational and credit risk exposure, and supports safe and sound lending practices across all lines of business.

Directs all operational activities related to the Bank's pre-closing flood compliance department. Builds, mentors, and manages a high-performing team with subject matter expertise. Establishes standards for accuracy, documentation quality, and workflow efficiency. Creates a culture of accountability, performance, and professional growth. Serves as an escalation point for complex or high-risk flood insurance events. Partners with Operations, Compliance, Credit, Audit and other stakeholders to ensure compliance with regulatory requirements and the Bank's policies and procedures.
• Leads the flood compliance program for Fulton Bank, serving as the subject-matter authority on regulatory requirements, policy and procedures, and risks and controls. Defines the strategic direction for the program, ensuring alignment with the Bank's risk, credit, and operational objectives. Advises senior leaders, lending executives, and credit partners on regulatory expectations and emerging risks. Owns policies, procedures, and controls related to FDPA compliance. Maintains a risk-monitoring framework to identify gaps and emerging risks.
• Leads flood compliance components of regulatory exams, audits, self-testing, and M&A activities. Represents the function in governance forums and system implementations.
• Develops and maintains proficiency with the bank's Loan Origination Systems and third-party applications, including Microsoft Office and the flood determination vendor's ordering system. Utilizes external mapping applications to perform research of collateral properties to identify structures on collateral properties.

Bachelor's Degree or the equivalent experience. Specialty: Business Administration, Finance, Risk Management, or related field. (Required)

Master's Degree or the equivalent experience. Specialty: Business Administration, Finance, Risk Management, or related field. (Preferred)

7 or more years lending, compliance, or bank operations experience. (Required)

3 or more years supervisory or people management experience. (Required)

3 or more years insurance experience. (Preferred)

• Strong verbal and written communication skills, including ability to prepare and present training (Required)
• Organizational skills to prioritize the department's work and meet deadlines (Required)

This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management.

To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate's knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location.

The salary range for this position is $79,100.00 - $131,800.00 annually.

Additional Compensation Components

This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance.

Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank.

As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.