Compliance Officer I, Reporting

This is a fully remote position, open to applicants in Texas.

📋 Description

• Supervise and assist with the Company's obligations for state and federal regulatory reporting.

• Manage the preparation, validation, and submission of HMDA, NMLS Mortgage Call Reports, and periodic reports specific to states.

• Maintain reporting schedules and ensure timely submissions across different jurisdictions.

• Keep track of regulatory changes and apply necessary updates to reporting practices.

• Ensure the integrity and validation of HMDA data, along with reconciliation processes.

• Facilitate cross-functional data collection involving Operations, Servicing, Secondary, and IT departments.

• Review edit checks and resolve any data discrepancies prior to submission.

• Assist with annual HMDA submissions and address inquiries from the CFPB or state regulators.

• Maintain documentation related to HMDA data governance controls and methodologies.

• Coordinate quarterly and annual MCR filings through the NMLS.

• Reconcile financial and loan activity data with Finance and Accounting teams.

• Prepare narrative responses and necessary attestations.

• Develop and maintain procedures for reporting, data dictionaries, and documentation of methodologies.

• Establish and oversee reporting controls to ensure accuracy and completeness.

• Conduct periodic internal reviews of reporting data.

• Identify and escalate risks, trends, and inconsistencies in reporting.

• Assist with state and federal examinations pertaining to regulatory reporting.

• Provide documentation and clarifications regarding HMDA, MCR, and other filings.

• Draft written responses to inquiries from regulators.

• Maintain centralized documentation within governance systems like Archer.

• Perform other assigned duties as necessary.

⛳️ Requirements

• A minimum of 3 years of relevant experience in compliance, risk management, or internal auditing within the financial services sector.

• Experience in the mortgage industry, which includes monitoring or testing loan origination, servicing, and default servicing operations.

• Understanding of the mortgage lending process along with associated legal and regulatory requirements.

• Experience throughout the complete monitoring and testing lifecycle, covering test design, execution, issue identification, root cause analysis, and remediation validation.

• Capability to draft clear and defensible issue statements while supporting corrective actions.

• Comprehensive understanding of Regulation C (HMDA) requirements.

• Familiarity with NMLS and MCR reporting standards.

• Experience working within recognized compliance or risk frameworks.

• Preferred experience in co-sourced, outsourced, or offshore testing environments.

• Experience with issue tracking systems like Archer is preferred.

• Strong interpersonal, oral, and written communication skills.

• Proficient research, analytical, and problem-solving capabilities.

• Proficiency in the MS Office Suite.

• Bachelor's Degree is required.

🏝️ Benefits

• Health, dental, vision, and life insurance coverage.

• Paid time-off benefits.

• Flexible spending account options.

• 401(k) plan with employer matching contributions.

• Employee Stock Purchase Plan (ESPP).