Lead Compliance Specialist

Zippy was founded with one mission: to make getting a loan for a manufactured home simple, fast, and fully online. We believe modern manufactured homes are affordable, well-built, eco-friendly, and stylish, but finding a lender who understands this market can be challenging. That’s why Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience.

Headquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States. Our remote-first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia, Phoenix, and several other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits. At Zippy, we pride ourselves on our commitment to finance happiness through the power of home. We are dedicated to enhancing consumers' financial outcomes and tackling the affordable housing crisis through cutting-edge technology and innovative solutions.

We are seeking an experienced and highly motivated Lead Compliance Specialist to join our team in the manufactured home and chattel lending and servicing sector. This individual must be a proven self-starter who requires minimal direction and can independently take ownership of assignments. The successful candidate will demonstrate significant expertise in compliance and regulatory matters within mortgage and/or manufactured housing chattel loan operations. The role requires the ability to understand the desired end result of a task and drive it through to completion with minimal oversight, while effectively balancing multiple projects and adapting to shifting business priorities.

Key Responsibilities:

• Regulatory Expertise: Monitor and interpret changes in federal and state regulations impacting mortgage and manufactured housing chattel lending and servicing. Translate requirements into practical business solutions.

• Project Management: Lead compliance-related projects across business functions from concept through implementation. Effectively manage multiple assignments with competing deadlines while ensuring alignment with regulatory expectations and company objectives.

• Research and Analysis: Conduct advanced research on regulatory developments and industry trends. Identify risks, close compliance gaps, and recommend enhancements to existing frameworks.

• Policy and Procedure Development: Draft, revise, and maintain compliance policies and procedures with little guidance, ensuring alignment with both regulatory requirements and company goals.

• Adaptability: Adjust quickly to frequent changes in objectives, goals, and needs, ensuring that compliance priorities remain aligned with business direction.

Qualifications:

• Education: High school diploma or equivalent required. Bachelor’s degree and/or compliance related certifications are a plus but not required.

• Experience: Minimum 5 years of direct compliance and regulatory experience in mortgage lending and/or servicing, with a strong preference for manufactured housing chattel loan expertise.

• Knowledge: In-depth knowledge of regulations governing mortgage lending, servicing, and/or chattel loan operations.

• Skills: Strong analytical, organizational, and project management skills, with the ability to manage competing priorities in a fast-paced environment. Proficiency with Microsoft Office Suite.

• Communication: Ability to clearly and confidently convey complex regulatory requirements to leadership, regulators, and cross-functional teams. Skilled at drafting clear and actionable compliance guidance.

If you have experience in any of the below areas, we encourage you to apply.

• Mortgage compliance

• Mortgage quality assurance or control (lending and/or servicing)

• Mortgage risk management

• Mortgage loan originations (originating, processing, underwriting, closing)

• Mortgage servicing (current loans, default, bankruptcy, loss mitigation, etc.)

• Mortgage internal audit

Ideal Candidate Profile

The ideal candidate thrives in an environment with minimal structure, quickly identifies the path forward, and takes ownership of complex compliance initiatives. They bring deep regulatory knowledge, strong judgment, and the ability to see both the details and the broader regulatory strategy needed to keep the organization protected.

Important Applicant Information

• While many of our interviews are conducted virtually, all applicants should be prepared to potentially meet in person as part of the process.

• As a participating employer, we will use E-Verify to confirm employment eligibility.

• Please note that we are currently only hiring candidates who reside in the following states: Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, and Wisconsin. Applicants that do not reside in the bolded states will be rejected.

Total Rewards

At Zippy, we're passionate about creating a workplace where people love to work. We put a lot of heart into building and nurturing a company culture that not only supports our team but also inspires them to do their best work.

Our benefits and perks are always evolving, but here’s what we offer right now:

• Competitive Compensation: We offer a competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience.

• Equity for All: As a part of our commitment to shared success, all employees receive equity in the company, allowing you to share in the growth and achievements of Zippy.

• Remote Work: Enjoy the flexibility of working from home in a dynamic, remote-first environment.

• Comprehensive Health Coverage: We provide medical, dental, and vision insurance, along with company-subsidized benefits like STD, LTD, and life insurance for you and your family.

• Flexible Spending Accounts: Take advantage of medical & dependent care FSAs to help manage your expenses.

• Training & Licensing Support: We invest in your professional growth with resources for training and licensing.

• Paid Time Off: We offer generous PTO—and we encourage you to use it!

• Wellbeing Programs: Access a variety of wellbeing resources, including Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, Ladder, and more through our Sequoia Wellbeing Programs.

• Parental Leave: We provide paid parental leave to support you and your growing family.

• No Meeting Wednesdays: Enjoy a mid-week break from meetings to focus and recharge.

• Vibrant Slack Community: Engage with colleagues in our lively remote Slack community, featuring fun channels that connect people around shared interests like travel, pets, sports, food, and more.

• Career Growth: We believe in promoting from within, offering you opportunities to grow your career with us.

Beyond the tangible benefits:

• Core Values: At the heart of everything we do are our core values: Lead with Passion, Own It, Build a Better Way, Results Driven, and The Golden Rule. These values guide our decisions, shape our culture, and inspire us to achieve our best every day.

• Join a Growing Team: Be part of a dynamic team at a pivotal moment in Zippy’s growth, where every contribution makes a significant impact.

• Innovative Work: Collaborate with sharp, passionate teammates to tackle unique challenges in the Manufactured Housing market, positioning our product as a top-tier lending solution.

• Supportive Culture: You’ll be welcomed into a collaborative environment that fosters camaraderie, respect, and a deep sense of belonging.

• Diversity & Inclusion: We’re committed to empowering a diverse and inclusive workforce, celebrating our differences, and ensuring everyone feels safe to bring their whole selves to work.

• Inspirational Leadership: Work alongside leaders who are not only approachable but also dedicated to providing guidance, mentorship, and support to help you succeed.

• Meaningful Impact: Be part of a mission-driven team that’s making housing more affordable for everyone, helping prospective buyers secure fast and simple online loans to purchase manufactured homes. By joining Zippy you will help improve the lives of over 22 million Americans who live in manufactured homes today.

Zippy is an equal opportunity employer that is committed to diversity and inclusion. We do not discriminate based on race, color, national origin, religion, gender, gender expression, sexual orientation, age, veteran status, disability status, or marital status. If you are excited about the role but do not meet 100% of the qualifications listed above, we encourage you to apply. Nothing in this job posting should be construed as an offer or guarantee of employment.