Senior Regulatory Business Analyst

This is a fully remote position, open to applicants in Florida, +3 more states.

📋 Description

• Review incoming regulatory data and reporting requests to determine the necessary data, reporting periods, populations, calculations, classifications, and submission criteria.

• Convert regulatory reporting needs into detailed, development-ready data and reporting specifications.

• Detect incomplete, vague, or conflicting requirements prior to development.

• Investigate mortgage servicing processes and data to ascertain how regulatory requirements should be represented.

• Collaborate with Regulatory/Risk teams, operational subject matter experts, clients, and report development teams.

• Create comprehensive requirements documentation for SQL report developers, encompassing data elements, business rules, calculations, populations, filters, reporting periods, and expected outputs.

• Ensure traceability from the initial regulatory request through to requirements, reporting logic, and final outputs.

• Conduct thorough quality reviews of regulatory reports and data extracts prior to delivery.

• Validate report outcomes against documented requirements and the corresponding regulatory request.

• Develop and execute reconciliations, reasonableness testing, population validation, exception analysis, and other reporting controls.

• Utilize SQL, Excel, and source data to scrutinize reporting results and confirm assumptions.

• Identify data anomalies, logical discrepancies, unexpected outcomes, and reporting defects.

• Coordinate issue resolution with development teams and business stakeholders.

• Leverage mortgage servicing expertise to analyze loan-level, transaction-level, and servicing activity data.

• Assess relationships among business processes, system activities, data structures, and regulatory reporting results.

• Manage assigned regulatory reporting requests from intake to final delivery.

• Coordinate activities across Regulatory/Risk, servicing operations, clients, development teams, and stakeholders.

• Monitor deadlines, dependencies, inquiries, development status, validation outcomes, and decisions.

• Escalate risks impacting reporting accuracy or delivery timelines.

• Facilitate meetings focused on requirements, status updates, validation, and issue resolution.

• Maintain documentation that supports requirements, decisions, testing, validation, and final reporting.

• Ensure accurate and timely delivery of regulatory data and reporting requests.

⛳️ Requirements

• Experience in mortgage servicing is mandatory.

• Practical understanding of mortgage servicing processes and the data they generate.

• Background in regulatory reporting within the mortgage servicing or mortgage banking sectors.

• Familiarity with mortgage-related loan, transaction, and servicing activity data.

• Experience in interpreting reporting requirements and converting them into comprehensive business and technical specifications.

• Knowledge of relational database concepts, including tables, relationships, keys, joins, and data structures.

• Capability to read and write basic to intermediate SQL queries.

• Experience in data validation, reconciliation, exception analysis, or reporting quality assurance.

• Proficiency in investigating discrepancies across business processes, reporting logic, and underlying source data.

• Strong skills in requirements documentation and written communication.

• Ability to independently manage multiple regulatory requests with defined or competing deadlines.

• Capacity to lead working sessions with Regulatory/Risk teams, operational experts, developers, clients, and leadership.

• Regulatory reporting experience is highly preferred, including knowledge of MCR, MBFRF, NMLS reporting, state licensing and regulatory reporting, investor reporting, regulatory examinations, ad hoc regulatory data requests, or other federal/state mortgage servicing reporting criteria.

• Familiarity with SQL Server Management Studio.

• Experience with Microsoft SQL Server / relational databases.

• Proficiency in Microsoft Excel.

• Familiarity with Microsoft Azure DevOps.

• Proficiency in Microsoft Word.

• Successful completion of a background check and credit check, where permitted by applicable law, is required for employment.

🏝️ Benefits

• Medical insurance.

• Dental insurance.

• Vision insurance.

• 401k.

• PTO/paid sick leave.

• Employee stock purchase plan.

• An inclusive, people-first workplace culture.

• Commitment to equal opportunity employment.