Community Reinvestment Act (CRA) Officer

<p>With Mercury’s continued progress toward becoming a chartered bank, establishing a strong and forward-looking Community Reinvestment Act (CRA) program is a key part of building a durable, regulator-ready foundation.&nbsp;</p> <p>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.</p> <p>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.</p> <p><em>*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.</em></p> <p><strong>What You’ll Do</strong></p> <ul> <li>Build and own Mercury’s CRA program end-to-end, including policies, procedures, and governance framework</li> <li>Develop and execute against the CRA strategic plan, including coordination of internal partners and community organizations within the Bank’s assessment areas</li> <li>Engage with Bank Leadership on CRA mapping on the applicability of Mercury’s product offerings</li> <li>Own CRA reporting, delivering clear, credible updates on the Bank’s CRA performance to senior leadership and Board-level stakeholders</li> <li>Maintain and update the CRA Public File in accordance with regulatory requirements.</li> <li>Create training and provide guidance to bank staff regarding CRA requirements, community development opportunities, and regulatory expectations.</li> <li>Manage CRA data integrity including CRA loans, Community Development loans, qualified investments, donations, and CRA service hours.</li> <li>Maintain relationships with community organizations, economic development groups, and housing organizations to identify community credit needs. This means building a Utah-specific community network from scratch.</li> <li>Serve as primary CRA contact during regulatory examinations and independent audits; coordinate responses and corrective action plans.</li> <li>Oversee the Bank's volunteer program to meet Strategic Plan commitments.</li> <li>Identify and help evaluate community development opportunities, including grants, investments and lending significant enough to meet asset target goals.&nbsp;&nbsp;</li> <li>Maintain records and documentation on all CRA activities and programs</li> </ul> <p><strong>What You’ll Bring</strong></p> <ul> <li>5+ years of demonstrated passion for