Summary:

The Manager of Regulatory Mortgage Compliance is responsible for ensuring that mortgage products, services, and platform capabilities are designed, implemented, and maintained in compliance with applicable federal, state, and agency rules and regulations. This role serves as a senior compliance subject matter expert supporting product, engineering, operations, and leadership teams throughout the product lifecycle. The Manager interprets complex mortgage regulations and agency guidelines, and translates them into actionable business, operational, and technical requirements. This role plays a critical part in embedding compliance into product design, underwriting logic, credit decisioning, system workflows, and operational processes while helping the organization proactively manage regulatory risk in a fast-paced mortgage technology environment.

Essential Job Duties and Responsibilities:

Key Responsibilities

• Research, interpret, and apply federal and state mortgage lending, privacy, and consumer protection statutes and regulations, such as TRID (Reg Z), HMDA, ECOA, FCRA, UDAAP, GLBA, and CCPA.

• Ensure compliance with agency and investor guidelines including Fannie Mae (FNMA), Freddie Mac (FHLMC), FHA, VA, and USDA.

• Monitor for regulatory developments, investor guideline changes, and industry guidance, and discuss business impact with product managers, engineers, compliance leadership, and operations teams.

• Provide compliance guidance on new product features, enhancements, product documentation, system workflows, and decisioning rules, to ensure alignment with regulatory and investor requirements.

Monitoring, Testing & Risk Management

• Assist in performing regulatory compliance control testing.

• Identify compliance gaps, document findings, and recommend corrective actions.

• Track and support remediation of identified compliance issues and control deficiencies.

• Identify and mitigate risks related to consumer PII usage, storage, and transmission.

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.

• Strong analytical and problem-solving skills with exceptional attention to detail.

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

• Strong written and verbal communication skills.

• Ability to thrive in a fast-paced product-driven environment.

Education and/or Experience:

• Bachelor’s degree from an accredited four-year college or university.

• 8+ years of experience in mortgage compliance, regulatory risk management, mortgage operations, or related functions.

• Strong knowledge of mortgage regulatory frameworks including TRID, HMDA, TILA, RESPA, ECOA, FCRA, and UDAAP.

• Understanding of mortgage product lifecycle, configurability of loan origination systems, and underwriting processes.

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.