Manager, Mortgage Compliance

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

📋 Description

• Provide guidance on compliance issues associated with mortgage loan processing and origination.

• Ensure adherence to relevant state and federal laws and regulations, including RESPA, TILA/Regulation Z, ECOA/Regulation B, FCRA, SAFE Act, UDAAP, and CFPB standards.

• Verify compliance of business marketing materials.

• Track regulatory changes and convert them into actionable advice.

• Evaluate mortgage advertising, marketing campaigns, social media, co-marketing agreements, consumer incentives, and promotional materials.

• Aid in compliance oversight of loan programs, which includes licensing, disclosures, compensation structures, and permissible activities.

• Identify compliance vulnerabilities and collaborate with business leaders to formulate corrective measures.

• Assist with regulatory audits, examinations, complaints, and compliance testing.

• Oversee corporate and individual licenses, registrations, exemptions, NMLS filings, and regulatory submissions.

• Facilitate the licensing and sponsorship of mortgage loan originators.

• Monitor MLO licensing, renewals, continuing education, sponsorships, and specific state requirements.

• Maintain licensing timelines and fulfill regulatory deadlines, reporting obligations, and renewals.

• Support expansion into new states by investigating licensing requirements and coordinating applications.

• Develop and uphold mortgage compliance policies and procedures.

• Provide compliance training and documentation to employees.

• Integrate compliance controls into new products, programs, marketing strategies, and operational processes.

• Assist with privacy, information security, AML/BSA, fair lending, and other mortgage compliance initiatives.

• Act as a subject matter expert on mortgage regulatory and licensing inquiries.

• Collaborate with legal counsel on regulatory issues, examinations, investigations, and complex compliance challenges.

• Support new business ventures and regulatory considerations.

• Coordinate efforts with Legal, People, Finance, Marketing, Operations, and Sales teams.

⛳️ Requirements

• Candidates must reside in the U.S. to be eligible.

• Proven experience in obtaining, maintaining, and renewing state mortgage licenses across various jurisdictions.

• In-depth knowledge of state and federal residential mortgage consumer protection compliance laws, including RESPA and CFPB regulations.

• Experience in developing policies, procedures, compliance controls, and training for employees.

• Proficient in creating and delivering mortgage compliance training sessions.

• Strong capability to interpret regulations and provide clear, actionable guidance.

• Minimum of 5 years of experience in residential mortgage compliance, including loan processing, loan origination, and/or loan underwriting.

• Bachelor’s degree is preferred.

• Must be legally authorized to work in the United States.

• Capability to sit for extended periods.

🏝️ Benefits

• Bonus

• Health benefits

• Life insurance

• Flexible PTO

• 401(k)