Hometap

Hometap helps homeowners get more from homeownership — and life — by allowing them to access their equity, debt free.

Senior Compliance Analyst

ComplianceComplianceFull TimeRemoteTeam 51-200Since 2017H1B SponsorCompany SiteLinkedIn

Location

Massachusetts

Posted

70 days ago

Salary

$115K - $135K / year

Bachelor Degree5 yrs expEnglish

Job Description

• Partner with Product and Operations teams to provide guidance on new and existing home equity offerings, with a focus on state lending regulatory requirements • Participate in risk assessments, including control testing and remediation validation • Complete monitoring and compliance testing activities on a designated schedule, focusing on origination and servicing requirements such as state-specific disclosures, payoff statements, quarterly account statements, and default handling – including preparing reports and summarizing findings for stakeholders and senior management • Maintain current working knowledge of federal, state, and local regulations applicable to home equity investments, including Regulation Z (TILA), Regulation X (RESPA), Regulation B (ECOA), Regulation C (HMDA), FDCPA, and SCRA/MLA • Partner with business teams on issue remediation, including identifying open risks and ensuring operational changes are implemented to prevent future issues • Provide expert regulatory advice on compliance program elements • Monitor internal controls and establish testing programs within Servicing and Operations to ensure compliance with laws and regulations • Review communications and documentation templates for adherence to regulatory requirements • Assist in reviewing and resolving customer complaints related to servicing activities, identifying root causes, and documenting remediation as needed • Develop and deliver compliance training and communications for employees • Stay current on the broader regulatory environment, industry standards, and best practices for financial institutions

Job Requirements

  • 5+ years of compliance experience in a financial institution, preferably in mortgage, home equity servicing, or consumer lending
  • Working knowledge of consumer finance regulations, with a strong preference for equity investment or mortgage experience—including Regulation Z (TILA), Regulation X (RESPA), and requirements related to defaults and foreclosures
  • Experience conducting first or second line of defense control testing
  • Ability to build strong working relationships and partner effectively across all levels of the organization, especially with Servicing and Operations teams
  • Experience developing and delivering compliance training for broad audiences
  • Strong analytical and conceptual thinking skills, with the ability to interpret regulations and turn them into actionable steps
  • Comfortable working independently in a fast-changing environment as the business and regulatory landscape evolves
  • Customer-service mindset with experience collaborating across teams
  • High personal and professional integrity
  • Commitment to diversity and respect for others
  • Bachelor's degree or equivalent experience.

Benefits

  • Competitive compensation
  • Healthcare coverage
  • Generous PTO
  • Meaningful equity package
  • Strong culture with team-building opportunities

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