Consumer Financial Protection Analyst
Consumer Financial Protection Bureau - Northeast, NY

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Do you want to be a leader in your field at the Consumer Financial Protection Bureau (CFPB) - a groundbreaking organization solely devoted to the economic strength and vitality of American Families? Do you want to challenge yourself and others? If you answer "Yes", then we have a career for you! CFPB professionals have unparalleled opportunities to expand horizons for themselves and for the nation. Be one of the founding members of an agency that will make a difference in the lives of everyday American families!

This position is located in the Consumer Financial Protection Bureau (CFPB) , Office of Supervision, Fair Lending, and Enforcement. This position will be based out of the New York Regional Office.

This organization is responsible for applying comprehensive knowledge of financial consumer protection issues to, among other things, develop examination policies, procedures, and training programs; analyze industry trends; monitor/oversee the CFPB supervisory process; and provide technical advice and assistance to Washington and Regional staff. Develops policies and procedures for conducting the risk assessments and examinations in a defined program area or areas such as depository institutions, mortgage origination, mortgage servicing, payday lending, private student lending, money services, debt collection, credit reporting or other consumer financial products and services.

  • This position is being filled under CFPB's excepted service authority.
  • Appointments under this authority will be made in the excepted service and do not convey competitive status.
  • Employee may be subject to a two-year trial period.

    • KEY REQUIREMENTS
    • Background investigation
    • U.S. citizenship
    • Required Travel of 1-5 Days Per Month

    DUTIES: The major duties of this position include:
    • Identifies process needs for examinations (e.g. field/desk examination manuals, tools and templates, software and calculation programs, risk assessment tools.). Develops and implements process manuals for executing examinations. These manuals may address or include guidance, case law, and recent case studies in which new practices and/or precedents are applied.
    • Monitors developments in laws, regulations, policies, procedures, and other programs related to financial services to identify emerging issues. May participate in the development of legislative and regulatory proposals to respond to such issues, including preparing testimony, and providing authoritative responses to Congressional inquiries.
    • Serves as a liaison with other CFPB offices, other regulatory agencies, the press, the financial services industry, and the public to provide advice on consumer protection and compliance issues.
    • Participates in intra-agency, interagency and intergovernmental working groups to develop guidance, policies and procedures addressing difficult current and emerging supervisory matters.
    • Keeps current on emerging issues that pertain to consumer protection and adapts the latest approaches and practices to assigned program operations.

    QUALIFICATIONS REQUIRED: You must meet eligibility and qualification requirements within 30 days of the closing date.

    You must answer all job-related questions in the job questionnaire.

    Specialized Experience for the CN- 53 level: To qualify at CN-53, you must have one year of specialized experience at or equivalent to the CN-52 level in the Federal service. (For qualification purposes, the CN-52 level is broadly equivalent to the GS -12 level ). For this position, specialized experience may be defined as:

  • Experience assisting in applying laws and regulations applicable to consumer financial products, services, and practices; and
  • Experience analyzing financial industry trends involving depository financial institutions or non-depository financial institutions; and
  • Experience providing both written and oral communications to convey supervisory policies and procedures; and
  • Experience using research and quantitative and qualitative data to draft reports and identify trends concerning the status of specific institutions in the financial services environment; and
  • Experience designing, developing, testing, implementing, maintaining, and enhancing software systems.
  • The experience may have been gained in either the public or private sector. One year of experience refers to full-time work; part-time work is considered on a prorated basis.

    HOW YOU WILL BE EVALUATED: Your application includes your:

    1. Resume,
    2. Responses to the online questions,
    3. Required supporting documents;
    4. Cover letter (optional).
    Note: If a cover letter is submitted, it may be used to assess your qualifications.

    We use a multi-step process to evaluate and refer applicants:

    1. Minimum Requirements: Your application must show that you meet all requirements, including the education and/or experience required for this position. You may be found "not qualified" if you do not possess the minimum competencies required for the position. If your application is incomplete, we may rate you as ineligible.

    2. Rating : Your application will be evaluated against your responses to the occupational questionnaire. You may also be further evaluated using additional assessment processes.

    Your application will be evaluated in the following areas:
    • Experience with consumer financial institution product(s) and service(s) and consumer financial protection laws.
    • Experience appling management principles, concepts, methods and techniques to change, interpret and develop programs, policies and procedures.
    • Experience developing examination policies and procedures.
    • Establishing effective working relationships with internal and external officials to resolve controversial compliance issues.
    • Applying qualitative and quantitative methods to design and conduct comprehensive projects.
    • Communicating in writing on planning program or policy issues.
    • Oral and interpersonal communications.
    Category rating procedures will be used to rank and refer eligibles. Based on your responses to the online questionnaire, you will be assigned a score. Your score will determine in which of the three categories you will be placed: Categories A, B, or C. Under this process, veterans will be assigned to the appropriate category (without additional preference points) and then placed at the top of their category.

    Review your resume and responses carefully. Responses that are not fully supported by the information in your application package may result in adjustments to your score. A human resources representative will validate the qualifications of those candidates eligible to be referred to the selecting official. Your resume will be among the factors used in setting your pay, should you be made an offer of employment. Please ensure that it fully describes your experience as it relates to the position for which you are applying.

    3. Referral: If you are among the top qualified candidates, your application will be referred to a selecting official for consideration and possible interview.

    We recommend that you preview the online questions for this announcement before you start the application process.

    To preview questions please click here .

    BENEFITS: Our comprehensive benefits are among the most generous in the federal government. They include:

  • Challenging and rewarding work benefiting American consumers
  • Opportunities for development and advancement
  • Extremely competitive salaries
  • Access to comprehensive Federal health, vision, dental, life, and long-term care insurance programs
  • Additional access to CFPB-specific vision, dental, short- and long-term disability, and insurance programs while you work at CFPB
  • Ten paid holidays, 13 days of sick leave, and 13-26 days of vacation time each year
  • Accelerated annual leave accrual rates for non-executive staff and an increased annual leave carryover ceiling as compared to other federal agencies
  • Public Transit Incentive Program (PTIP)
  • Employee Assistance Program (EAP)
  • Emergency Child Care Access (Contracted Service)
  • Alternative Work Schedule and Telework access
  • The CFPB offers its own FSA Program. As a result CFPB employees are not eligible to participate in FSAFEDS. If you are currently participating in FSAFEDS and you accept a position with CFPB, in order to continue participation in a FSA for the year you must enroll in the CFPB FSA program. You are eligible to incur expenses against your FSAFEDS account(s), up to your separation date from your current agency. In addition you will have until April 30 th of the year following your separation from your current agency to get the expenses that were incurred, reimbursed through FSAFEDS. Any balance that remains in your FSAFEDS account after all eligible expenses have been incurred and reimbursed will be forfeited. Due to IRS regulations, you are not able to transfer your FSAFEDS contributions into a CFPB FSA Account. If you have questions please contact FSAFEDS at 1-877-FSAFEDS.


  • OTHER INFORMATION:
  • We may select from this announcement or any other source to fill one or more vacancies.
  • This announcement may be used to fill like positions in other organizations within the Consumer Financial Protection Bureau.
  • All candidates will be considered without regard to any non-merit reasons such as race, color, religion, sex, age, national origin, lawful political affiliation, marital status, disability, sexual orientation, protected genetic information, parental status, membership in an employee organization, or other non-merit factors.
  • If you are a male applicant born after December 31, 1959, certify that you have registered with Selective Service System or are exempt from having to do so.
  • Relocation expenses will not be paid.
  • If selected, candidates will be required to file financial disclosure statements within 30 days upon entering on duty.
  • Ethics: CFPB employees are subject to government-wide ethical standards of conduct, financial disclosure requirements, and post-employment prohibitions, which applicants may review at www.oge.gov. In addition, CFPB employees must comply with the Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection (5 CFR 9401), which, among other things, prohibit an employee or the employee’s spouse or minor child from owning or controlling a debt or equity interest in an entity supervised by CFPB. CFPB’s regulations also impose restrictions on the outside activities of certain Bureau employees, including examiners and attorneys. Applicants may review the CFPB ethics regulations and a summary of the regulations at www.consumerfinance.gov. Questions regarding these requirements and prohibitions should be directed to the CFPB Ethics Office at EthicsHelp@cfpb.gov.

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