Director of Compliance and Risk Management
About The Position
The Director of Compliance is a senior working manager responsible for leading system‑driven, operational, and risk‑sensitive compliance functions. This role serves as a key compliance partner overseeing monitoring, watchlist controls, regulatory reporting, advertising and social media compliance, HMDA, fair lending inputs, and system‑based compliance controls. This position is hands‑on and execution‑focused, with significant responsibility for high‑risk compliance domains, particularly advertising and marketing compliance. The role requires strong regulatory judgment, deep Encompass expertise, and the ability to identify and drive automation and innovation opportunities that improve compliance effectiveness and scalability.
Requirements
- 10+ years of mortgage regulatory compliance experience with progressive leadership responsibility.
- Demonstrated expertise in advertising and marketing compliance.
- Strong working knowledge of TRID, TILA, RESPA, HMDA, Fair Lending, State Licensing, State Reporting, MCR, and Privacy.
- Hands‑on experience with Encompass, disclosure engines, and watchlist screening systems.
- Proven ability to assess compliance processes for automation potential and lead implementation of technology‑driven solutions.
- Strong analytical, problem‑solving, and cross‑functional communication skills.
- Experience supporting regulatory examinations, audits, and remediation.
- Background in compliance governance, policy development, and change management.
- Familiarity with system testing, control validation, and compliance technology implementations.
Nice To Haves
- Experience with Encompass and other ICE software and services, use of Copilot, Claude or other AI tools
- Industry certifications such as CRCM, CMB, or equivalent.
- Legal education and/or training
Responsibilities
- Oversee daily and periodic compliance operations, including monitoring, consumer compliance controls, watchlist screening, and system‑based regulatory checks.
- Ensure compliance with applicable mortgage regulations, including TRID, TILA, RESPA, HMDA, Fair Lending, Privacy, MAPS, State Licensing, State Reporting, and MCR requirements.
- Lead advertising and marketing compliance reviews, ensuring all content meets regulatory, disclosure, and fair lending standards.
- Partner with Marketing, Technology, Product, Operations, and Risk to support compliant positioning, workflow optimization, and system‑based controls.
- Manage escalations related to compliance system logic, disclosure timing, APR validation, and risk‑based exceptions.
- Oversee HMDA readiness, data integrity, quarterly reconciliation, and support for fair lending analysis and regulatory inquiries.
- Own the identification and execution of compliance automation opportunities within assigned functions, translating regulatory requirements into scalable, system‑based and AI‑enabled controls.
- Lead, mentor, and develop compliance analysts supporting systems, monitoring, disclosures, advertising, and operational compliance controls.
- Support Licensing and Exams teams during peak cycles, including renewals, state reporting, audits, examinations, and remediation.
- Partner with Corporate Compliance on governance, policies, procedures, regulatory change management, and complaint oversight.
Benefits
- robust health insurance plans, including Medical, Dental, and Vision coverage
- 401(k) Retirement Plan, complete with a $1 for $1 Company Match up to 5%
- Paid Parental Leave
- Associate Assistance Plan
- Education Assistance Program
- up to $30,000 in Adoption Assistance
- up to three weeks of vacation annually, alongside generous Holiday, Sick Leave, and Personal Day policies
- New Hire Referral Bonus Program
- significant Home Purchase Discounts
- Everyone’s Included Day
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What This Job Offers
Job Type
Full-time
Career Level
Director
Education Level
No Education Listed
