Lead the Compliance Department, overseeing compliance programs including BSA/AML and Fair Lending.
Develop and implement company-wide compliance strategies, policies, and procedures.
Interpret and provide guidance on mortgage lending regulations and agency guidelines (e.g., CFPB, HUD, VA, TILA, RESPA, TRID, QM/ATR, ECOA, HMDA, GLBA, UDAAP, SAFE Act, Fannie Mae, Freddie Mac).
Develop a change management system to monitor regulatory changes, update policies, and oversee new mortgage product offerings.
Conduct audits, monitoring, and testing of compliance procedures; report findings, implement corrective actions, and monitor remediation.
Establish SOPs and efficient processes to support organizational needs and provide excellent service to business units.
Conduct loan reviews, identify trends, and report findings to Senior Management.
Serve as escalation point for complex compliance issues and collaborate across departments to implement timely solutions.
Prepare reports and materials for senior leadership and the Compliance Committee.
Act as liaison with regulators and external agencies; participate in audits, exams, consumer complaint responses, and compliance reporting.
Provide leadership and coaching to Compliance staff, ensuring clear performance standards and objectives.
Oversee the development, delivery, and documentation of compliance training programs, including annual certifications.
Collaborate with internal teams (including regulatory counsel) and external vendors to address compliance issues and integrate compliance into operations.
Provide oversight of TPOs and vendor management, including due diligence, audits, corrective actions, and reporting.
Additional responsibilities as assigned due to business needs.
Requirements
Bachelor’s degree in business, finance, or related field.
7+ years of experience in compliance, risk management, or financial services; mortgage origination experience required.
5+ years of management-level experience in compliance, including leading teams.
Strong knowledge of federal and state mortgage lending regulations, investor guidelines, and government agency standards.
Experience with loan origination processes (Processing, Underwriting, Closing, QA) and servicing.
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