Director of Compliance

Key Responsibilities

• Lead the Compliance Department, overseeing compliance programs including BSA/AML and Fair Lending. 
• Develop and implement company-wide compliance strategies, policies, and procedures. 
• Interpret and provide guidance on mortgage lending regulations and agency guidelines (e.g., CFPB, HUD, VA, TILA, RESPA, TRID, QM/ATR, ECOA, HMDA, GLBA, UDAAP, SAFE Act, Fannie Mae, Freddie Mac). 
• Develop a change management system to monitor regulatory changes, update policies, and oversee new mortgage product offerings. 
• Conduct audits, monitoring, and testing of compliance procedures; report findings, implement corrective actions, and monitor remediation 
• Establish SOPs and efficient processes to support organizational needs and provide excellent service to business units. 
• Conduct loan reviews, identify trends, and report findings to Senior Management. 
• Serve as escalation point for complex compliance issues and collaborate across departments to implement timely solutions. 
• Prepare reports and materials for senior leadership and the Compliance Committee. 
• Act as liaison with regulators and external agencies; participate in audits, exams, consumer complaint responses, and compliance reporting. 
• Provide leadership and coaching to Compliance staff, ensuring clear performance standards and objectives. 
• Oversee the development, delivery, and documentation of compliance training programs, including annual certifications. 
• Collaborate with internal teams (including regulatory counsel) and external vendors to address compliance issues and integrate compliance into operations. 
• Provide oversight of TPOs and vendor management, including due diligence, audits, corrective actions, and reporting. 
• Additional responsibilities as assigned due to business needs. 

Qualifications & Skills

• Bachelor’s degree in business, finance, or related field. 
• 7+ years of experience in compliance, risk management, or financial services; mortgage origination experience required. 
• 5+ years of management-level experience in compliance, including leading teams. 
• Strong knowledge of federal and state mortgage lending regulations, investor guidelines, and government agency standards. 
• Experience with loan origination processes (Processing, Underwriting, Closing, QA) and servicing. 
• Prior experience managing regulatory exams, audits, compliance reporting, quality control, and TPO oversight. 
• Proficiency with Encompass and Mavent; JIRA experience preferred. 
• Strong leadership, communication, and organizational skills. 
• Experience preparing Suspicious Activity Reports (SARs) and working with SAR Review Advisors. 
• Professional certifications preferred, including CRCM (Certified Regulatory Compliance Manager) or CAMS (Certified Anti-Money Laundering Specialist).