Summary:

The Sr Analyst, Compliance plays a pivotal role in supporting the company’s compliance program by monitoring, reviewing, and testing business practices, products, and technology solutions. This position ensures adherence to mortgage lending laws, consumer protection standards, and data privacy regulations. The role is essential in mitigating regulatory, operational, and reputational risks while enabling innovative fintech solutions in the mortgage industry.

Essential Job Duties and Responsibilities:

• Regulatory Compliance:

  • Research, interpret, and apply federal and state mortgage, lending, and consumer protection regulations (e.g., CFPB, TILA, RESPA, ECOA, FCRA, GLBA, UDAAP).

  • Ensure products, services, and processes comply with applicable investor and agency guidelines (e.g., FNMA, FHLMC, FHA, VA, USDA, Banks)

  • Monitor changes in regulatory and investor guidelines.

  • Support internal and external regulatory examinations.

• Cross-Functional Collaboration:

  • Partner with product and engineering teams to embed compliance into platform features and workflows.

  • Collaborate with third-party vendors to ensure compliance is integrated into external solutions.

• Monitoring & Testing:

  • Conduct compliance reviews of business processes, system workflows, and third-party integrations.

  • Assist with risk assessments and control testing; document findings and recommend corrective actions.

• Policy & Procedure Support:

  • Assist in drafting, maintaining, and communicating compliance policies and procedures.

  • Provide guidance to business, operations, and technology teams on compliance requirements.

• Data Privacy & Security:

  • Monitor compliance with data handling, retention, and privacy regulations (e.g., CCPA, GLBA, state privacy laws).

  • Work with engineering and product teams to identify and mitigate risks related to consumer PII/NPPI use.

• Issue Management & Reporting:

  • Track, escalate, and support remediation of identified compliance issues.

  • Assist in preparing reports for management, regulators, and auditors

Other Job Duties and Responsibilities:

• Performs other related duties as assigned.

• Comply with all company policies and procedures.

• Maintain regular and punctual attendance.

Supervisory Responsibilities:

• This position is an individual contributor.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

• Exceptional attention to detail with strong organizational skills.

• Ability to translate complex regulatory requirements into business-friendly guidance.

• Proactive, adaptable, and comfortable in a fast-paced fintech environment.

• Commitment to upholding ethical standards and protecting consumers.

Education and/or Experience:

• Bachelor’s Degree from a Four (4) year College or University.

• 8+ years of experience in mortgage compliance, audit, risk management, or operations required.

• Strong knowledge of mortgage regulations and consumer protection laws.

• Familiarity with fintech products, SaaS platforms, or financial technology solutions a plus.

• Excellent analytical, problem-solving, and communication skills.

• Proven ability to work cross-functionally with legal, product, engineering, and operations teams.

Certificates, Licenses, Registrations:

• None Required

Work Complexity:

Problems and issues faced are numerous, typically undefined where information is difficult to obtain. Conducts extensive investigation to understand root cause of problems and how to make sense of them in the larger financial/mortgage (or job-specific) industry. Problems span a wide range of difficult and unique issues across functions and/or businesses. 

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is normally performed in a typical interior office work environment which does not subject the employee to any hazardous or unpleasant elements. The noise level in the work environment is usually moderate.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds.

Equal Employment Opportunity:

The company is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information, or any other basis protected by applicable federal, state, or local laws.

Americans with Disabilities Act:

Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law.

Job Responsibilities:

The statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. The company may change the specific job duties with or without prior notice based on the needs of the organization.

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