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Vacancy Questions Preview

Vacancy Questions Preview

Grade: 40
* 1.Do you meet the specialized experience as listed in the vacancy announcement?
  1. Yes
  2. No


* 2.From the following list of laws, regulations, directives, and guidance, please select all of those for which you have provided regulatory compliance assessments and guidance on a regular basis. List only those areas in which you have recent experience. Select all that apply.
  1. Electronic Fund Transfer Act
  2. Equal Credit Opportunity Act
  3. Fair Credit Billing Act
  4. Fair Credit Reporting Act
  5. Fair Debt Collections Practices Act
  6. Home Mortgage Disclosure Act (HMDA)
  7. Homeowner Equity Protection Act (HOEPA)
  8. Real Estate Settlement Procedures Act (RESPA)
  9. Secure and Fair Enforcement for Mortgage Licensing Act (SAFE)
  10. Truth in Lending Act (TILA)
  11. Truth in Savings Act (TISA)
  12. State-specific Consumer Protection Regulations
  13. None of the above.


* 3.This position requires knowledge of consumer financial services and products that would enable you to assist in analysis of consumer complaints and investigations. Select the response(s) from the list below that reflect(s) your recent knowledge of consumer financial service(s) and product(s) gained within the last four years. Select all that apply.
  1. Mortgage originations
  2. Mortgage servicing and foreclosure alternatives
  3. Consumer lines of credit and automobile financing
  4. Credit cards
  5. Checking account fees and practices
  6. Payday lending
  7. Private student lending
  8. Debt collection
  9. Credit reporting
  10. None of the above


* 4.Select the response that best describes the context in which you have most typically applied your knowledge of consumer financial protection regulations to assess regulatory compliance.
  1. Processing or approval of consumer financial product transactions, such as credit card applications and mortgage originations.
  2. Consumer financial counseling and/or legal advocacy and enforcement.
  3. Resolution of consumer financial protection complaints.
  4. Regulatory compliance audits and/or examinations
  5. None of the above


* 5.Unless you answered “None of the above” to the preceding question, please indicate in the space below the position(s) in your resume (title(s) and dates) where you did the work reflected in your responses and list the name(s) and contact information of the supervisor(s) or person(s) who can support your claim. Please also describe briefly the type of regulatory compliance or complaint resolution in which you were involved and the specific role you played.
Maximum length of 8000 characters.


* 6.Select the response(s) that reflect(s) your experience performing analyses related to investigation of consumer complaints. Select all that apply.
  1. I have assisted more senior investigators to investigate aspects of common or slightly complex consumer financial complaints.
  2. I have independently investigated a variety of common or slightly complex consumer financial complaints, relying on subject matter experts to determine the applicability of consumer financial regulations to specific consumer situations.
  3. I have correctly reviewed large numbers of consumer complaint or regulatory compliance observations and summarized trends, based on both quantitative and qualitative aspects of the consumer complaints reviewed.
  4. I have correctly developed random samples of consumer complaints or regulatory compliance observations to prove or disprove theories or hypotheses of the drivers behind consumer complaints or regulatory noncompliance, and have successfully defended my analyses before senior audiences.
  5. I have developed case studies and statistical analyses of trends in the consumer finance industry in connection with graduate courses.
  6. None of the above.


* 7.Unless you answered “None of the above” to the previous question, please provide a brief description in the space below of an actual regulatory or consumer financial complaint analysis in which you played a substantial role. Please indicate whether the analysis was performed on the job or as part of graduate study or dissertation and explain the issue or problem being addressed and your role in developing any explanation of results or recommendation. Do not cut and paste from your resume.
Maximum length of 8000 characters.


* 8.Select the response(s) that reflect(s) your ability to communicate in writing. Select all that apply.
  1. I have written investigation reports related to individual consumer complaints that include evaluation of the adequacy of documentation presented by the consumer and the company and findings on regulatory compliance supported by the available evidence.
  2. I have prepared reports, policy papers and other documents to summarize and organize complex consumer financial protection issues and concepts, report on emerging regulatory concerns that may warrant policy or procedural changes, respond to inquiries from consumers or external organizations that have significant legal or policy implications and present various sides of issues for use by senior management in deciding on or defending new or revised policies and procedures.
  3. I have prepared or drafted correspondence, memoranda, disclosures, and other documents regarding consumer financial products and services and applicable laws and regulations for internal or external organizations or the general public.
  4. I have developed papers and presentations summarizing the role of consumer financial protection laws in the financial marketplace as well as the limits and future needs for additional consumer financial protection.
  5. None of the above.


* 9.Select the responses that reflect the communications and/or interpersonal skills you have used to complete projects or establish effective working relationships. Check all that apply.
  1. Model collaborative working relationships in my immediate office.
  2. Invest time and effort to understand the goals, values, priorities, and challenges of the individuals and teams with which I work and then applied that understanding to develop mutually beneficial working relationships.
  3. Share constructive feedback with individuals and teams in a manner that improves interpersonal and team effectiveness.
  4. Regularly solicit feedback on my interpersonal strengths and opportunities for improvement and adapted my interpersonal style to improve communication and collaboration with others.
  5. Negotiate and build consensus in team settings to advocate positions while helping the team to agree on a course of action.
  6. Effectively communicate the potential benefits, impacts, and relevant considerations on personal and team workload and morale, in response to proposals and new ideas offered by others.
  7. None of the above.


* 10.Select the responses that reflect your oral communication/briefing skills. Check all that apply.
  1. I have communicated complex case analyses and fact patterns to diverse audiences with varying degrees of existing knowledge of the subject matter.
  2. I have actively engaged in active listening with teams and groups that hold concerns and/or ideas regarding the topics being discussed and summarize their input to confirm they have been heard.
  3. I have designed and delivered presentations to large audiences in knowledge sharing or decision making forums.
  4. I have facilitated committees, teams and work groups with staff of other internal offices and/or external organizations.
  5. I have shared constructive feedback with individuals and teams in a manner that improves interpersonal and team effectiveness.
  6. I have helped negotiate and build consensus in team settings to advocate positions while helping the team to agree on a course of action.
  7. None of the above.


Grade: 51
* 1.Do you meet the specialized experience as listed in the vacancy announcement?
  1. Yes
  2. No


* 2.From the following list of laws, regulations, directives, and guidance, please select all of those for which you have provided regulatory compliance assessments and guidance on a regular basis. List only those areas in which you have recent experience that was gained in approximately the last five years. Select all that apply.
  1. Electronic Fund Transfer Act
  2. Equal Credit Opportunity Act
  3. Fair Credit Billing Act
  4. Fair Credit Reporting Act
  5. Fair Debt Collections Practices Act
  6. Home Mortgage Disclosure Act (HMDA)
  7. Homeowner Equity Protection Act (HOEPA)
  8. Real Estate Settlement Procedures Act (RESPA)
  9. Secure and Fair Enforcement for Mortgage Licensing Act (SAFE)
  10. Truth in Lending Act (TILA)
  11. Truth in Savings Act (TISA)
  12. State-specific Consumer Protection Regulations
  13. None of the above.


* 3.Provide two detailed examples from your recent professional career (i.e., within the last five years) where you directly performed or led others in assessing compliance with financial regulations at the federal and/or state level. In each example, identify the specific regulation(s), the focus of the compliance, and the criteria employed to determine compliance or noncompliance within the regulation. Do not cut and paste from your resume.
Maximum length of 8000 characters.


* 4.This position requires knowledge of consumer financial services and products that would enable you to serve as a technical expert in responding to complex consumer financial protection inquiries and communications. Select the response(s) that reflect(s) the consumer financial service(s) and product(s) with which you have substantive work experience gained within the last 4 years. The experience may have been gained with a financial institution, a financial industry association and/or a Federal, State or local financial oversight agency. Select all that apply.
  1. Mortgage originations
  2. Mortgage servicing and foreclosure alternatives
  3. Consumer lines of credit and automobile financing
  4. Credit cards.
  5. Checking account fees and practices.
  6. Payday lending
  7. Private student lending
  8. Debt collection
  9. Credit reporting
  10. None of the above


* 5.Select the response that best describes your experience providing expert assistance and guidance to others regarding consumer complaint response policies, procedures and requirements, as they apply to both banks and nonbank financial institutions.
  1. I have served as a specialist on a complaint response team. I provided expert guidance to lower level or less experienced team members on applicable legal, regulatory and policy requirements and/or on correct processes to follow in investigating specific complaints or routing them to a financial institution or other regulatory agency.
  2. I have served as specialist for a consumer complaint response team with ongoing responsibility for providing expert advice and guidance to staff members on applicable requirements and investigation or routing procedures for specific complaints as described above. I have also researched consumer financial protection regulations to determine their correct application in complex or ambiguous complaint scenarios and summarized my findings to improve handling of such complaints in the future and have kept abreast of upcoming or proposed changes to consumer financial regulations and specific products, services or practices, and have provided suggestions to senior specialists or managers on ways to update response program policies and procedures accordingly.
  3. I have served as lead specialist within a consumer complaint response team with ongoing responsibility for providing expert advice and guidance to staff members on applicable requirements and investigation or routing procedures for specific complaints as described above. I have also researched consumer financial protection regulations to determine their correct application in complex or ambiguous complaint scenarios and summarized my findings to improve handling of such complaints in the future. I served as a liaison to other regulatory and oversight departments, helping them remain aware of consumer protection regulatory findings and trends. I have kept my teams abreast of upcoming or proposed changes to consumer financial regulations and specific products, services or practices, and have provided suggestions to senior specialists or managers on ways to update response program policies and procedures accordingly.
  4. None of the above.


* 6.Unless you answered “None of the above” to the preceding question, please provide a detailed example in the space below of how you provided expert guidance to lower level or less experienced team members on the correct application or interpretation of a specific consumer financial protection regulation or where you conducted or led research into application of a specific consumer financial protection regulation. Please reference the specific regulation and the difference between your role and the roles played by your colleagues. . Do not cut and paste from your resume.
Maximum length of 8000 characters.


* 7.Select the response(s) that reflect(s) your experience performing complex analyses of consumer complaint or financial regulatory compliance. Check all that apply.
  1. I have correctly used data and records management systems to generate regular reports on trends in consumer complaints regarding particular financial products or practices.
  2. I have correctly identified where additional facts and documentation are required to assess regulatory compliance
  3. I have correctly reviewed large numbers of consumer complaint or regulatory compliance observations and summarized trends, based on both quantitive and qualitative aspects of the consumer complaints reviewed.
  4. I have correctly developed random samples of consumer complaints or regulatory compliance observations to prove or disprove theories or hypotheses of the drivers behind consumer complaints or regulatory noncompliance, and have successfully defended my analyses before senior audiences.
  5. None of the above.


* 8.Select the response that best describes the context in which you have most typically applied your knowledge of consumer financial protection regulations to assess regulatory compliance in the last five years.
  1. Processing or approval of consumer financial product transactions, such as credit card applications and mortgage originations
  2. Consumer financial counseling and/or legal advocacy and enforcement
  3. Resolution of consumer financial protection complaints
  4. Regulatory compliance audits and/or examinations
  5. None of the above


* 9.Unless you answered “None of the above” to the preceding question, please provide an example in the space below of how you applied your knowledge of consumer financial protection regulations to assess regulatory compliance in a moderately complex consumer or banking situation. Describe the situation and what made assessing regulatory compliance challenging in that situation. . Do not cut and paste from your resume.
Maximum length of 8000 characters.


* 10.Select the response that best reflects your ability to communicate in writing to convey policy or program issues.
  1. I have prepared reports, policy papers and other documents to summarize and simplify complex consumer financial protection issues and concepts, report on emerging regulatory concerns that may warrant policy or procedural changes, respond to inquiries from consumers or external organizations that have significant legal or policy implications and present various sides of issues for use by senior management in deciding on or defending new or revised policies and procedures.
  2. I have prepared or drafted correspondence, memoranda, disclosures, and other documents regarding consumer financial products and services and applicable laws and regulations for internal or external organizations or the general public.
  3. I have prepared or drafted correspondence, briefing papers, reports or presentations covering complex or controversial issues regarding consumer financial products and services and legal and regulatory requirements applicable to them for mid and senior level officials within my organization and/or external parties such as other government agencies or Congressional staff.
  4. None of the above.


* 11.Select the response(s) that reflect(s) interpersonal and oral communications duties you have performed as a regular part of a job. Check all that apply.
  1. Communicate complex case analyses and fact patterns to diverse audiences with varying degrees of existing knowledge of the subject matter.
  2. Engage in active listening with teams and groups that hold concerns and/or ideas regarding the topics being discussed and summarize their input to confirm they have been heard.
  3. Make presentations to senior audiences in decision making forums.
  4. Serve as facilitator for committees, teams and work groups with staff of other internal offices and/or external organizations.
  5. Actively participate in meetings, workshops or training and contribute relevant and timely ideas, concerns, and solutions.
  6. Share constructive feedback with individuals and teams in a manner that improves interpersonal and team effectiveness.
  7. Negotiate and build consensus in team settings to advocate positions while helping the team to agree on a course of action.
  8. None of the above.


* 12.Select the response that best describes your experience maintaining effective working relationships.
  1. I have proactively sought to understand the goals, values, priorities, and challenges of the individuals and teams with which I work and then applied that understanding to develop mutually beneficial working relationships. I have regularly solicited feedback on my interpersonal strengths and opportunities for improvement and adapted my interpersonal style to improve communication and collaboration with others. I have consistently sought to deliver on prior commitments to demonstrate reliability.
  2. I have maintained collaborative relationships within my immediate office and with other offices within my organization to coordinate and manage day-to-day work, minimize delays or duplication and resolve conflicts regarding program policies or priorities.
  3. I have interacted positively with coworkers to build consensus, and coordinate or settle matters to accomplish mutual business goals.
  4. None of the above.


Grade: 52
* 1.Do you meet the specialized experience as listed in the vacancy announcement?
  1. Yes
  2. No


* 2.From the following list of laws, regulations, directives, and guidance, please select all of those for which you have provided regulatory compliance assessments and guidance on a regular basis. List only those areas in which you have recent experience that was gained in approximately the last five years. Select all that apply.
  1. Electronic Fund Transfer Act
  2. Equal Credit Opportunity Act
  3. Fair Credit Billing Act
  4. Fair Credit Reporting Act
  5. Fair Debt Collections Practices Act
  6. Home Mortgage Disclosure Act (HMDA)
  7. Homeowner Equity Protection Act (HOEPA)
  8. Real Estate Settlement Procedures Act (RESPA)
  9. Secure and Fair Enforcement for Mortgage Licensing Act (SAFE)
  10. Truth in Lending Act (TILA)
  11. Truth in Savings Act (TISA)
  12. State-specific Consumer Protection Regulations
  13. None of the above.


* 3.Provide two detailed examples from your recent professional career (i.e., within the last five years) where you directly performed or led others in assessing compliance with financial regulations at the federal and/or state level. In each example, identify the specific regulation(s), the focus of the compliance, and the criteria employed to determine compliance or noncompliance within the regulation. Do not cut and paste from your resume.
Maximum length of 8000 characters.


* 4.This position requires knowledge of consumer financial services and products that would enable you to serve as a technical expert in responding to complex consumer financial protection inquiries and communications. Select the response(s) that reflect(s) the consumer financial service(s) and product(s) with which you have substantive work experience gained within the last 4 years. The experience may have been gained with a financial institution, a financial industry association and/or a Federal, State or local financial oversight agency. Select all that apply.
  1. Mortgage originations
  2. Mortgage servicing and foreclosure alternatives
  3. Consumer lines of credit and automobile financing
  4. Credit cards
  5. Checking account fees and practices
  6. Payday lending
  7. Private student lending
  8. Debt collection
  9. Credit reporting
  10. None of the above


* 5.Select the response that best describes your experience providing expert assistance and guidance to others regarding consumer complaint response policies, procedures and requirements, as they apply to both banks and nonbank financial institutions.
  1. I have served as a specialist on a complaint response team. I provided expert guidance to lower level or less experienced team members on applicable legal, regulatory and policy requirements and/or on correct processes to follow in investigating specific complaints or routing them to a financial institution or other regulatory agency.
  2. I have served as specialist for a consumer complaint response team with ongoing responsibility for providing expert advice and guidance to staff members on applicable requirements and investigation or routing procedures for specific complaints as described above. I have also researched consumer financial protection regulations to determine their correct application in complex or ambiguous complaint scenarios and summarized my findings to improve handling of such complaints in the future and have kept abreast of upcoming or proposed changes to consumer financial regulations and specific products, services or practices, and have provided suggestions to senior specialists or managers on ways to update response program policies and procedures accordingly.
  3. I have served as lead specialist within a consumer complaint response team with ongoing responsibility for providing expert advice and guidance to staff members on applicable requirements and investigation or routing procedures for specific complaints as described above. I have also researched consumer financial protection regulations to determine their correct application in complex or ambiguous complaint scenarios and summarized my findings to improve handling of such complaints in the future. I served as a liaison to other regulatory and oversight departments, helping them remain aware of consumer protection regulatory findings and trends. I have kept my teams abreast of upcoming or proposed changes to consumer financial regulations and specific products, services or practices, and have provided suggestions to senior specialists or managers on ways to update response program policies and procedures accordingly.
  4. None of the above.


* 6.Unless you answered “None of the above” to the preceding question, please provide a detailed example in the space below of how you provided expert guidance to lower level or less experienced team members on the correct application or interpretation of a specific consumer financial protection regulation or where you conducted or led research into application of a specific consumer financial protection regulation. Please reference the specific regulation and the difference between your role and the roles played by your colleagues. Do not cut and paste from your resume.
Maximum length of 8000 characters.


* 7.Select the response(s) that reflect(s) your experience performing complex analyses of consumer complaint or financial regulatory compliance. Check all that apply.
  1. I have correctly used data and records management systems to generate regular reports on trends in consumer complaints regarding particular financial products or practices.
  2. I have correctly identified where additional facts and documentation are required to assess regulatory compliance
  3. I have correctly reviewed large numbers of consumer complaint or regulatory compliance observations and summarized trends, based on both quantitative and qualitative aspects of the consumer complaints reviewed.
  4. I have correctly developed random samples of consumer complaints or regulatory compliance observations to prove or disprove theories or hypotheses of the drivers behind consumer complaints or regulatory noncompliance, and have successfully defended my analyses before senior audiences.
  5. None of the above.


* 8.Select the response that best describes the context in which you have most typically applied your knowledge of consumer financial protection regulations to assess regulatory compliance in the last five years.
  1. Processing or approval of consumer financial product transactions, such as credit card applications and mortgage originations.
  2. Consumer financial counseling and/or legal advocacy and enforcement.
  3. Resolution of consumer financial protection complaints.
  4. Regulatory compliance audits and/or examinations
  5. None of the above.


* 9.Unless you answered “None of the above” to the preceding question, please provide an example in the space below of how you applied your knowledge of consumer financial protection regulations to assess regulatory compliance in a moderately complex consumer or banking situation. Describe the situation and what made assessing regulatory compliance challenging in that situation. Do not cut and paste from your resume.
Maximum length of 8000 characters.


* 10.Select the response that best reflects your ability to communicate in writing to convey policy or program issues.
  1. I have prepared reports, policy papers and other documents to summarize and simplify complex consumer financial protection issues and concepts, report on emerging regulatory concerns that may warrant policy or procedural changes, respond to inquiries from consumers or external organizations that have significant legal or policy implications and present various sides of issues for use by senior management in deciding on or defending new or revised policies and procedures.
  2. I have prepared or drafted correspondence, memoranda, disclosures, and other documents regarding consumer financial products and services and applicable laws and regulations for internal or external organizations or the general public.
  3. I have prepared or drafted correspondence, briefing papers, reports or presentations covering complex or controversial issues regarding consumer financial products and services and legal and regulatory requirements applicable to them for mid and senior level officials within my organization and/or external parties such as other government agencies or Congressional staff.
  4. None of the above.


* 11.Select the response(s) that reflect(s) interpersonal and oral communications duties you have performed as a regular part of a job. Check all that apply.
  1. Communicate complex case analyses and fact patterns to diverse audiences with varying degrees of existing knowledge of the subject matter.
  2. Engage in active listening with teams and groups that hold concerns and/or ideas regarding the topics being discussed and summarize their input to confirm they have been heard.
  3. Make presentations to senior audiences in decision making forums.
  4. Serve as facilitator for committees, teams and work groups with staff of other internal offices and/or external organizations.
  5. Actively participate in meetings, workshops or training and contribute relevant and timely ideas, concerns, and solutions.
  6. Share constructive feedback with individuals and teams in a manner that improves interpersonal and team effectiveness.
  7. Negotiate and build consensus in team settings to advocate positions while helping the team to agree on a course of action.
  8. None of the above.


* 12.Select the response that best describes your experience maintaining effective working relationships.
  1. I have proactively sought to understand the goals, values, priorities, and challenges of the individuals and teams with which I work and then applied that understanding to develop mutually beneficial working relationships. I have regularly solicited feedback on my interpersonal strengths and opportunities for improvement and adapted my interpersonal style to improve communication and collaboration with others. I have consistently sought to deliver on prior commitments to demonstrate reliability.
  2. I have maintained collaborative relationships within my immediate office and with other offices within my organization to coordinate and manage day-to-day work, minimize delays or duplication and resolve conflicts regarding program policies or priorities.
  3. I have interacted positively with coworkers to build consensus, and coordinate or settle matters to accomplish mutual business goals.
  4. None of the above.


Grade: All Grades
* 1.How did you find out about this job?
  1. Recruitment/Outreach Event
  2. Advertisement
  3. CFPB Jobs Website
  4. USAJOBS site
  5. Friend
  6. Other


2.If you learned of this job through a recruiting event, paid advertisement, or “other,” would you please provide the specific event or other source of the information? Your response will help us measure the effectiveness of our recruiting and outreach programs! We also welcome any other comments you may have about our recruiting processes.
Maximum length of 250 characters.






This is a Federal job application system. Providing false information, creating fake IDs, or failing to answer all questions truthfully and completely may be grounds for not hiring, for disbarment from Federal employment, or for dismissal after the applicant begins work. Falsifying a Federal job application, attempting to violate the privacy of others, or attempting to compromise the operation of this system may be punishable by fine or imprisonment (US Code, Title 18, section 1001).