Associate Director, Compliance

CCM CrossCountry Mortgage, LLC; United States; Remote; USD 120,000 - 180,000; Full time

Benefits offered by this job

Medical, Dental, Vision

401K

Short-term disability

Employee Assistance Program

Wellness program

Job summary

CrossCountry Mortgage, LLC is seeking a Senior Compliance professional to drive monitoring programs across all lending channels, ensuring regulatory alignment and effective risk management. You will collaborate with leadership to set objectives, oversee audits, and guide issue resolution.

The role requires deep knowledge of mortgage operations, federal/state laws, and strong communication. A results‑driven leader with 5+ years in financial services is ideal.

Qualifications

• Bachelor’s degree in a related field or an equivalent combination of education and relevant professional experience.
• 5+ years of experience within a financial institution, preferably a large or complex organization.
• 3+ years of experience in risk management or consumer compliance, specifically related to mortgage originations.
• Proficiency with ACES, Encompass, and Jira, preferred.
• Comprehensive knowledge of loan operations, including processing, underwriting, closing, and quality assurance.
• Demonstrated command of federal and state mortgage lending laws and regulations, including the Dodd-Frank Act, RESPA, TILA, TRID, ECOA, HMDA, GLBA, Fair Lending, UDAAP, and SAFE Act.
• Advanced proficiency in regulatory interpretation, compliance risk assessment, and evaluation of regulatory requirements across mortgage lending operations.
• Exceptional communication, management, and leadership skills.
• Advanced prioritization and time management skills.

Responsibilities

• Drive the development, implementation, and continuous enhancement of Compliance Monitoring and Testing programs, procedures, test scripts, and reporting protocols to ensure regulatory alignment, methodological consistency, and effective identification of compliance deficiencies, control weaknesses, and emerging regulatory risks.
• Conduct second-level quality assurance reviews of Compliance Monitoring and Testing results to validate adherence to approved methodologies, accuracy of findings, sufficiency of supporting documentation, appropriateness of severity classifications, and consistency of regulatory conclusions.
• Collaborate with Compliance leadership and key business stakeholders to establish performance objectives, evaluate program metrics, and implement strategic initiatives that enhance operational efficiency, strengthen accountability, and drive measurable improvements in Compliance Monitoring and Testing performance.
• Serve as the primary point of contact for operational compliance matters across all lending channels, delivering timely, actionable regulatory guidance to facilitate informed decision-making, resolve complex compliance matters, and ensure consistent application of regulatory requirements and Company policies.
• Spearhead regulatory examination and audit file requests, ensuring the timely and accurate collection, validation, and submission of required loan files in accordance with examination protocols and regulatory deadlines.
• Support the oversight and execution of Branch Audit activities, coordinating with audit personnel, branch leadership, and key business stakeholders to ensure timely completion of audit deliverables, appropriate escalation of findings, and effective implementation of corrective actions.
• Perform additional responsibilities as assigned by Compliance leadership to support departmental objectives and organizational priorities.

Skills

Regulatory compliance

Mortgage origination

Leadership

Jira

ACES

Encompass

Regulatory laws

Loan operations

Policy development

Documentation

Education

Bachelor’s degree in related field

Tools

ACES

Encompass

Jira

Job description

Position Overview

CrossCountry Mortgage (CCM)is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.

Benefits

• Benefits package, including medical, dental, vision, as well as a 401K.
• We also offer company-provided short-term disability, an employee assistance program, and a wellness program.

Job Responsibilities

• Drive the development, implementation, and continuous enhancement of Compliance Monitoring and Testing programs, procedures, test scripts, and reporting protocols to ensure regulatory alignment, methodological consistency, and effective identification of compliance deficiencies, control weaknesses, and emerging regulatory risks.
• Conduct second-level quality assurance reviews of Compliance Monitoring and Testing results to validate adherence to approved methodologies, accuracy of findings, sufficiency of supporting documentation, appropriateness of severity classifications, and consistency of regulatory conclusions.
• Collaborate with Compliance leadership and key business stakeholders to establish performance objectives, evaluate program metrics, and implement strategic initiatives that enhance operational efficiency, strengthen accountability, and drive measurable improvements in Compliance Monitoring and Testing performance.
• Serve as the primary point of contact for operational compliance matters across all lending channels, delivering timely, actionable regulatory guidance to facilitate informed decision-making, resolve complex compliance matters, and ensure consistent application of regulatory requirements and Company policies.
• Spearhead regulatory examination and audit file requests, ensuring the timely and accurate collection, validation, and submission of required loan files in accordance with examination protocols and regulatory deadlines.
• Support the oversight and execution of Branch Audit activities, coordinating with audit personnel, branch leadership, and key business stakeholders to ensure timely completion of audit deliverables, appropriate escalation of findings, and effective implementation of corrective actions.
• Perform additional responsibilities as assigned by Compliance leadership to support departmental objectives and organizational priorities.

Qualifications and Skills

• Bachelor’s degree in a related field or an equivalent combination of education and relevant professional experience.
• 5+ years of experience within a financial institution, preferably a large or complex organization.
• 3+ years of experience in risk management or consumer compliance, specifically related to mortgage originations.
• Proficiency with ACES, Encompass, and Jira, preferred.
• Comprehensive knowledge of loan operations, including processing, underwriting, closing, and quality assurance.
• Demonstrated command of federal and state mortgage lending laws and regulations, including the Dodd-Frank Wall Street Reform and Consumer Protection Act, RESPA, TILA, TRID, ECOA, HMDA, GLBA, Fair Lending, UDAAP, and SAFE Act.
• Advanced proficiency in regulatory interpretation, compliance risk assessment, and evaluation of regulatory requirements across mortgage lending operations.
• Exceptional communication, management, and leadership skills.
• Advanced prioritization and time management skills.

CrossCountry Mortgage, LLC offers MORE than a job, we offer a career.

CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com California residents: Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org. Our growth is creating great opportunities! Our team is expanding, and we want to hire the most talented people we can. Continued success depends on it!

So once you've had a chance to explore our current open positions, apply to the ones you feel suit you best and keep track of both your progress in the selection process, and new postings that might interest you! Thanks for your interest in working on our team! Our Work Experience is the combination of everything that's unique about us: our culture, our core values, our company meetings, our commitment to sustainability, our recognition programs, but most importantly, it's our people. Our employees are self-disciplined, hard working, curious, trustworthy, humble, and truthful. They make choices according to what is best for the team, they live for opportunities to collaborate and make a difference, and they make us the #1 Top Workplace in the area.