HMDA/Fair Lending Manager

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

📋 Description

• Manage the HMDA data quality lifecycle, which includes regular reviews of the Loan/Application Register, preparation for quarterly and annual filings, and ensuring the accuracy and timeliness of reports.

• Detect data quality problems and their underlying causes, collaborate with business teams on corrective measures, and track remediation until resolution is achieved.

• Develop and uphold a risk-based HMDA sampling and quality assurance program for a second-line challenge of business-owned reporting data.

• Conduct and support geographic analyses of lending trends to uncover potential redlining and other Fair Lending risks.

• Collaborate with Product Compliance, Fair Lending, Model Risk, and business teams to define responsibilities, enhance controls, and foster uniform data quality practices.

• Utilize automation and Generative AI judiciously to enhance sampling, detect anomalies, analyze trends, and document processes while ensuring human oversight for regulatory interpretation and reporting decisions.

⛳️ Requirements

• Minimum of 4 years of direct experience in reviewing HMDA Loan/Application Register data and applying HMDA data integrity, geocoding, and reporting standards.

• Proven experience in preparing, reviewing, or assisting with quarterly and annual HMDA submissions within a regulated lending or financial services context.

• Expertise in conducting root cause analyses of compliance or regulatory data issues and coordinating remediation efforts with business or operational teams.

• Solid understanding of Fair Lending regulations, including the Equal Credit Opportunity Act/Regulation B and the Fair Housing Act.

• Experience with compliance testing, quality assurance, monitoring, or other second-line oversight related to regulated lending data.

• Familiarity with geographic or redlining analysis to support Fair Lending monitoring efforts.

• Experience in developing or enhancing risk-based sampling methods, quality control programs, or compliance monitoring frameworks.

• Strong capability to collaborate across compliance, product, model risk, and business teams to address data quality and regulatory challenges.

• Proficiency in using scripting, analytics, automation, or Generative AI tools to enhance regulatory data reviews and identify unusual patterns.

• Ability to convert regulatory requirements and analytical insights into clear documentation and actionable recommendations.

• Willingness to work across East and West coast time zones.

🏝️ Benefits

• Competitive salary package, including bonus potential and annual equity grants that vest quarterly.

• 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 each year.

• Employee Stock Purchase Plan (ESPP) offering discounted stock purchase options for eligible employees (available in the US only).

• Comprehensive medical, dental, vision, and wellness coverage and resources.

• Supplemental health coverage available for Canada.

• Contributions to Health Savings Accounts for eligible plans (offered in the US only).

• Life insurance and disability coverage provided.

• Paid time off, sick leave, and company holidays included.

• Paid family and parental leave benefits.

• Family-oriented fertility, parenthood, and caregiving benefits available.

• Employee Assistance Program offering mental health support and life-centered resources.

• Financial planning tools and concierge service available (limited to the US).

• Annual wellness allowance provided.

• Annual productivity allowance for necessary tools and resources.

• Opportunities for team events, all-company updates, and participation in employee resource groups.

• Catered lunches and stocked micro-kitchens at company offices.