Senior Compliance Associate
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Job Description
Senior Compliance Associate leading regulatory reporting and examinations for multi-state mortgage lending. Managing compliance with evolving digital asset regulations in a fintech environment.
Responsibilities:
- Oversee the company’s multi-state mortgage lending and consumer lending license portfolio via the Nationwide Multistate Licensing System (NMLS) and individual state portals.
- Manage the research, preparation, and submission of new corporate, branch, and individual MLO (Mortgage Loan Originator) license applications as the company expands.
- Lead the timely preparation, validation, and submission of all required state annual reports, quarterly Mortgage Call Reports (MCR), and financial condition filings.
- Partner with internal Data, Operations, and Finance teams to pull, audit, and reconcile loan production and servicing data to ensure 100% accurate regulatory reporting.
- Manage required material change notifications to state regulators regarding corporate structure, executive leadership, or business activities.
- Serve as the primary liaison and Lead Project Manager for all state regulatory examinations (e.g., routine compliance audits, financial exams).
- Coordinate internal data-room preparation, gathering loan files, policies, procedures, and corporate records requested by examiners. Pre-review materials for quality assurance.
- Draft formal responses to examination findings and collaborate with business units to implement corrective action plans, tracking them through to successful resolution.
Requirements:
- Minimum of 4-6 years of compliance or regulatory experience within a mortgage lender, consumer finance company, or banking institution.
- High proficiency with the NMLS portal is required.
- Strong foundational understanding of federal and state lending regulations (e.g., TILA/RESPA, ECOA, FCRA, SAFE Act, and state-specific Consumer Credit Codes). Specifically a strong foundational understanding of open-end credit products.
- Proven experience directly participating in or leading state regulatory examinations.
- Bachelor’s degree in Business, Finance, Legal Studies, or a related field (or equivalent practical experience).
- Familiarity with digital assets, cryptocurrency, or blockchain technology and an understanding of how regulators view asset-backed lending (preferred).
- CRCM (Certified Regulatory Compliance Manager) or CAMS (Certified Anti-Money Laundering Specialist) designation (preferred).
- Ability to manage multiple strict regulatory deadlines simultaneously without sacrificing accuracy.
- Exceptional written and verbal communication skills, with the ability to interface confidently with state regulators and executive leadership alike.
- A sharp eye for data discrepancies and a proactive approach to identifying compliance gaps before they become audit issues.
Benefits:
- Comprehensive medical, dental, and vision coverage, with 100% employer-paid premiums for employees and their dependents on select plans
- Company HSA, FSA, Dependent Care FSA, 401(k), and commuter benefits
- Employer-paid life and disability insurance
- 11 observed holidays and PTO plan
- Up to 12 weeks of paid family leave
- Continuing education reimbursement
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