Compliance Officer Senior-Mortgage Origination

COMPLIANCE OFFICER SENIOR-MORTGAGE ORIGINATION

WHAT IS THE OPPORTUNITY?
The Senior Consumer Compliance Officer is responsible for managing and maintaining assigned areas of the compliance program covering mortgage origination including 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 compliance. This role is responsible for oversight of periodic analysis of the mortgage portfolios, assisting business areas to implement corrective actions or procedural changes, and applying a risk-based approach.

WHAT WILL YOU DO?

• Serve as a compliance subject matter expert for assigned areas.
• Review marketing materials for business areas or products including credit card, mortgage, small business, and consumer (lending or deposit) ensuring materials comply with regulatory and business standards.
• Manage regulatory change management and participate with business areas supported such as consumer, in addition to other business areas or support functions (Finance, Technology).
• Monitor legislative/regulatory/enforcement activity and trends for impacts to business line activities.
• Provide compliance advice and guidance to business areas and with 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. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).

• Bachelor's Degree or equivalent work experience
• Minimum 5 years of mortgage lending or mortgage compliance experience, with a strong understanding of origination processes.
• 3+ years in financial services, preferably in mortgage banking or regulatory compliance.
• Advanced knowledge of mortgage origination compliance, including federal and state regulations (e.g., TRID, TILA, RESPA, HMDA, ECOA, FDPA, FCRA, SCRA).

• Mortgage Compliance Leadership: Ability to analyze complex mortgage-related scenarios (e.g., loan disclosures) and provide actionable guidance, escalate issues, and recommend solutions.
• Regulatory Agency Expertise: Direct experience interacting with federal regulators (e.g., CFPB, OCC, FDIC) during mortgage compliance exams, audits, or inquiries, including exam management and remediation.
• Fast-Paced Mortgage Environment: Demonstrated success in managing time-sensitive compliance tasks (e.g., TRID timelines) while maintaining accuracy in high-volume operations.
• Strategic Compliance Skills: Strong organizational and analytical abilities to develop mortgage-specific policies, training, and risk mitigation strategies.
• Clear Communication: Skill in articulating complex mortgage regulations to business teams, executives, and regulators, both verbally and in writing.
• Collaborative Influence: Effective interpersonal skills to partner with operations, servicing, and sales teams to ensure compliance alignment.
• Deadline-Driven Execution: Track record of meeting strict regulatory deadlines while prioritizing risk mitigation.
• Certifications Preferred: Certified Mortgage Compliance Professional (CMCP) or Certified Regulatory Compliance Manager (CRCM) with a focus on mortgage banking.

• 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 including fertility benefits, and cancer, diabetes and musculoskeletal support programs
• Career Mobility support from a dedicated recruitment team
• Colleague Resource Groups to support networking and community engagement