Mortgage Compliance Support Specialist

Acrisure Mortgage is seeking a detail-oriented Mortgage Compliance Support Specialist to join our FBC Mortgage TPO Division!

Position Overview

The Mortgage Compliance Support Specialist is responsible for the accurate and timely preparation, review, and delivery of all required mortgage loan disclosures, including initial disclosures and re-disclosures, in accordance with federal, state, investor, and company compliance requirements. This role serves as a critical component of the loan origination process by ensuring all borrower disclosures comply with applicable regulations, including TRID and RESPA guidelines, while maintaining exceptional service levels for brokers, borrowers, and internal stakeholders.

The Mortgage Compliance Support Specialist must possess a strong understanding of mortgage lending regulations, disclosure requirements, and loan documentation. The position requires attention to detail, regulatory knowledge, effective communication skills, and the ability to manage multiple files while meeting strict compliance deadlines.

Essential Duties and Responsibilities

• Maintain a thorough and up-to-date understanding of all applicable federal and state mortgage lending regulations, including TRID, RESPA, TILA, and other compliance requirements affecting mortgage disclosures.
• Review loan data submitted by brokers and internal teams for completeness, accuracy, and consistency within Encompass, including loan amounts, interest rates, property taxes, insurance premiums, lender fees, and other applicable costs.
• Prepare, review, and deliver initial mortgage disclosure packages accurately and within required regulatory timelines.
• Analyze loan information and supporting documentation to determine disclosure requirements based on loan type, product guidelines, and regulatory standards.
• Ensure all disclosures are generated and distributed in compliance with company policies, investor requirements, and applicable federal and state regulations.
• Monitor loan files throughout the origination process to identify changes that may trigger re-disclosure requirements.
• Review loan modifications, changed circumstances, fee adjustments, and other file updates to determine if revised disclosures are required.
• Prepare and issue re-disclosures within regulatory time frames, ensuring all changes are accurately reflected and documented.
• Process disclosure and re-disclosure requests promptly, maintaining compliance with governance policies and procedures.
• Communicate effectively with brokers, account executives, and internal departments regarding disclosure requirements, compliance concerns, and loan process questions.
• Maintain accurate records of disclosure activity and ensure all documentation is properly retained within the loan file.
• Assist with compliance audits, quality control reviews, and internal monitoring activities as needed.
• Identify potential compliance issues and escalate concerns to management in a timely manner.
• Support departmental initiatives designed to improve operational efficiency, accuracy, and regulatory compliance.

Goals and Performance Expectations

• Deliver all initial disclosures and re-disclosures within 24 hours of receipt or identification of required changes.
• Maintain a high level of accuracy in disclosure preparation and fee calculations to minimize compliance risk and disclosure revisions.
• Demonstrate a comprehensive understanding of wholesale, correspondent, and other mortgage lending programs.
• Accurately disclose all applicable fees, costs, and loan terms to borrowers in accordance with regulatory requirements.
• Maintain professional and responsive communication with brokers, account executives, borrowers, and internal stakeholders.
• Consistently meet established service-level agreements (SLAs) and departmental productivity standards.
• Stay informed of evolving regulatory requirements, industry trends, and company compliance policies through ongoing training and professional development.
• Contribute to a culture of compliance, operational excellence, and customer service by ensuring all disclosure activities are completed accurately, efficiently, and within required timelines.

Acrisure Mortgage is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace. Applicants must complete all interviews without the use of AI or automated tools.