Compliance Officer Senior-Mortgage Origination

COMPLIANCE OFFICER SENIOR‑MORTGAGE ORIGINATION WHAT IS THE OPPORTUNITY?

The Compliance Officer Senior – Mortgage is responsible for managing and maintaining assigned areas of the compliance program covering U.S. Mortgage Banking. This includes monitoring business area compliance with applicable laws and regulations, ensuring controls are in place to mitigate compliance risk, maintaining regulatory change management, policies and procedures, training, and advisory matters for mortgage lending compliance. The role directly manages oversight of the U.S. Mortgage Banking division, assists business areas to implement corrective actions or procedural changes, and applies a risk‑based approach.

• Serve as a mortgage compliance subject‑matter expert for assigned areas.
• Review marketing materials for business areas or products, including mortgage, ensuring materials comply with regulatory and business standards.
• Manage regulatory change management and participate with supported business areas such as mortgage, as well as other business areas or support functions.
• Monitor legislative, regulatory, and enforcement activity and trends for impacts to business line activities.
• Provide mortgage compliance advice and guidance to business areas and assigned business projects.
• Assist with regulatory examination and serve as liaison with regulators.
• Manage assigned staff and conduct appropriate coaching to colleagues on interpretation and application of regulatory requirements to business processes.
• Develop and maintain compliance policies and standards that address key risk activities.
• Implement any corrective actions or risk mitigation measures and track, report, and validate corrective actions.
• Provide support in risk assessments and internal audits.
• Review and document procedures to ensure secure maintenance and quality of records.
• Comply fully with all Bank Compliance policies and procedures as well as all regulatory requirements (e.g., Truth in Lending Act, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).

• Bachelor's Degree or equivalent
• Minimum 7 years of lending, compliance, and regulatory reporting
• Minimum 5 years of financial services experience

• Advanced knowledge in mortgage origination compliance (highly preferred)
• Advanced knowledge of banking compliance laws and regulations, as related to mortgage lending and banking operations, including but not limited to ECOA/Regulation B, FCRA, Flood Disaster Protection Act, Truth in Savings Act, SCRA, HMDA, RESPA, TILA, Regulation O, Regulation W.
• Ability to analyze complex situations and provide guidance, make recommendations, and/or escalating issues to appropriate levels of management.
• Ability to interact with federal regulatory agencies.
• Ability to operate effectively in a fast‑paced environment.
• Excellent organizational and analytical skills.
• Ability to communicate clearly and professionally with all levels of an organization.
• Excellent written and verbal communication skills.
• Effective interpersonal skills.
• Excellent time‑management skills and be accustomed to working with deadlines.
• Certified Internal Auditor (CIA) and/or Certified Financial Services Auditor (CFSA) designation is a plus.
• Experience communicating and interacting with regulatory agencies, including exam management and other regulatory affairs.
• For Banking Compliance related roles, Certified Compliance Risk Manager (CRCM) or Certified Mortgage Compliance Professional (CMCP) preferred.

Starting base salary: $111,408 – $189,738 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

• Comprehensive healthcare coverage, including Medical, Dental, and Vision plans, available the first of the month following start date
• Generous 401(k) company matching contribution
• Career Development through Tuition Reimbursement and other internal upskilling and training resources
• Valued Time Away benefits including vacation, sick and volunteer time
• Specialized health and family planning benefits…