Compliance Lead Austin or Salt Lake ; Hybrid

Behind many of life’s most important transactions — buying a house, applying for a mortgage, getting a small business loan, or refinancing a credit card — is a network of credit relationships. Setpoint provides critical infrastructure for relationships between the world’s largest banks, credit funds and capital markets counter parties. We’re building trust in this system of credit.

inTENT provides third‑party review (TPR) and diligence services that sit at the heart of residential lending transactions. We are looking for a Compliance Lead to ensure the accuracy, consistency, and regulatory soundness of our loan review operations. This role is critical to maintaining the integrity of our compliance function and the trust our clients place in us.

This position reports directly to the inTENT Chief Operating Officer (COO).

• A compliance authority — you have deep, current knowledge of federal, state, and local residential lending laws and can apply them confidently.
• A quality champion — you hold yourself and others to a high standard and take pride in zero-defect work.
• A teacher and coach — you enjoy training others, explaining complex regulatory concepts clearly, and driving continuous improvement.
• A problem-solver — clients bring you their hardest compliance questions and you find the right answers.
• A systems thinker — you understand how tools like Compliance Ease fit into a broader QC workflow and know how to get the most out of them.

• Perform quality control reviews of the compliance portion of loans reviewed by inTENT staff, ensuring accuracy and regulatory adherence.
• Track, compile, and report QC and deficiency results to the COO and relevant stakeholders on a regular basis.
• Design and deliver compliance training programs, including onboarding for new employees, updates driven by regulatory changes, and corrective action training.
• Conduct credit and compliance loan reviews as needed.
• Serve as the primary point of contact for client compliance questions, investigating and resolving issues in a timely and professional manner.
• Calibrate and maintain the Compliance Ease system to ensure consistent and accurate compliance findings.

• 5+ years of experience in residential federal, state, and local loan compliance.
• 5+ years of experience in TPR-related loan review.
• Thorough knowledge of applicable federal lending laws and regulations, including:
  • TRID (TILA-RESPA Integrated Disclosure Rule) — Loan Estimate and Closing Disclosure requirements
  • RESPA (Real Estate Settlement Procedures Act) — settlement service disclosures, kickback prohibitions, and escrow rules
  • HMDA (Home Mortgage Disclosure Act) — data collection, reporting, and fair lending analysis
  • ECOA (Equal Credit Opportunity Act) — anti-discrimination requirements in credit decisions and adverse action notices
  • ATR/QM (Ability-to-Repay / Qualified Mortgage Rule) — underwriting standards and safe harbor requirements under Dodd-Frank
  • State Predatory Lending Laws — including high-cost loan thresholds, prepayment penalty restrictions, and anti-flipping provisions across applicable jurisdictions
• Strong knowledge of Rating Agency requirements (Moody’s, DBRS/Morningstar, Kroll, Fitch) as they apply to residential loan securitization and TPR standards.
• Strong knowledge of GSE and agency underwriting guidelines, including Fannie Mae, Freddie Mac, FHA, VA, and USDA.
• Expert-level proficiency with Compliance Ease, including system calibration and audit trail management.
• Strong written and verbal communication skills, with the ability to explain regulatory requirements clearly to staff and clients alike.
• Preferred: CMCP (Certified Mortgage Compliance Professional) or CRCM (Certified Regulatory Compliance Manager) designation.

inTENT is a leading provider of third-party review and diligence services for the residential lending industry. As part of the Setpoint family of companies, inTENT combines deep compliance expertise with cutting‑edge technology to deliver faster, more accurate loan review outcomes for lenders, servicers, and capital markets participants.

Setpoint provides purpose-built capital and…