Associate Director, Mortgage Compliance & Risk Oversight

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

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.