Compliance Specialist

Xpert Home Lending, Inc.; United States; Remoto; USD 75.000 - 85.000; Tempo pieno

Descrizione del lavoro

Xpert Home Lending Inc. seeks a Compliance Specialist — Exams, Advertising and Oversight to support the Chief Compliance Officer. You will help keep the company exam-ready, ensure ads and loan officer posts meet federal and state rules, and manage complaints and corrective actions.

Your focus includes Exams, Advertising review, Complaints, Vendor oversight and Training to strengthen compliance controls and timely remediation across multiple program areas.

Competenze

• 3+ years in mortgage compliance, quality control, or regulatory exam support at a lender or broker.
• Working knowledge of TILA/RESPA, the MAP Rule, UDAAP, ECOA/fair lending, the SAFE Act and state mortgage broker and lender regulations.
• Experience responding to state exams, investor audits or CFPB and NMLS complaints.
• Strong writing skills; able to draft regulator-ready responses with minimal editing.
• Organized and deadline-driven; comfortable managing multiple open exams, complaints and vendor reviews at once.
• Proficient in Excel/Google Sheets and compliance or complaint-management tools; experience with ad-review automation platforms a plus.

Mansioni

• Prepare for and support state regulatory exams and investor and warehouse lender audits from first notice through closure.
• Maintain the exam calendar and readiness checklist; gather and organize document requests and draft exam responses for CCO review.
• Track findings, draft corrective action plans, and verify remediation is completed and evidenced on time.
• Review ads, websites, landing pages and loan officer social media content for compliance with TILA/Regulation Z, the MAP Rule, UDAAP, fair lending and state advertising rules.
• Retains advertising records to satisfy retention requirements.
• Coach loan officers and marketing on recurring issues and repeat offenders to the CCO.
• Run complaint intake and the complaint log; acknowledge and route complaints within required timeframes.
• Perform root-cause analysis and draft responses to regulators, the CFPB portal, NMLS and investors for CCO approval.
• Track resolution timeliness and review complaint trends for fair lending and UDAAP risk; report trends in the monthly compliance dashboard.
• Run annual vendor reviews and due diligence, including risk tiering and documentation of controls.
• Coordinate investor and warehouse lender approvals, annual recertifications and renewals; maintain the repurchase and indemnification tracker.
• Schedule, assign and track annual staff compliance training and role-specific training; maintain completion records.
• Maintain the corrective action plan log across all program areas and report open items to the CCO.
• Other duties as assigned by the CCO, including support for the annual compliance risk assessment and policy updates

Conoscenze

Mortgage compliance

Quality control

Regulatory exams

TILA/RESPA knowledge

Strong writing

Excel/Google Sheets

Project management

Strumenti

Excel/Google Sheets

Descrizione del lavoro

Compliance Specialist — Exams, Advertising and Oversight

About Xpert Home Lending Inc.

Xpert Home Lending Inc. (NMLS #2179191) is a nationwide mortgage brokerage built around the borrower. We partner with loan officers who live and work in the communities they serve and give them the products, technology and process to deliver the right loan for every client. Through relationships with more than 150 wholesale lenders, our loan officers offer conventional, FHA, VA, USDA, jumbo and non-QM financing for purchases, refinances and home equity needs, and we are a Top 10 UWM partner.

Headquartered in Braselton, Georgia and licensed in 44 jurisdictions, Xpert has closed more than 17,000 loans and over $8 billion in funded volume for more than 15,000 families. Our edge over big-box lenders is simple: a dedicated loan officer, transparent communication, tailored solutions, weekend availability and fast closings. Equal Housing Lender.

Reports to: Chief Compliance Officer

Department: Compliance

Classification: Full-time, exempt

Location: Braselton, GA corporate office OR Remote

Compensation: $75,000 - $85,000

Position summary. The Compliance Specialist is the CCO's right hand on exams, advertising, complaints, vendor oversight and training. This role keeps the company exam-ready at all times, ensures every ad and loan officer social post meets federal and state advertising rules, and closes the loop on complaints and corrective actions. Its focus is on the following program areas in the compliance management program: Advertising, Vendor Management, Complaints, Exams and Training.

Key responsibilities

Exams and audits

• Prepare for and support state regulatory exams and investor and warehouse lender audits from first notice through closure
• Maintain the exam calendar and readiness checklist; gather and organize document requests and draft exam responses for CCO review
• Track findings, draft corrective action plans, and verify remediation is completed and evidenced on time

Advertising and marketing review

• Review ads, websites, landing pages and loan officer social media content flagged by automated first-pass screening for compliance with TILA/Regulation Z, the MAP Rule, UDAAP, fair lending and state advertising rules
• Retains advertising records to satisfy retention requirements
• Coach loan officers and marketing on recurring issues and ... repeat offenders to the CCO

Complaints

• Run complaint intake and the complaint log; acknowledge and route complaints within required timeframes
• Perform root-cause analysis and draft responses to regulators, the CFPB portal, NMLS and investors for CCO approval
• Track resolution timeliness and review complaint trends for fair lending and UDAAP risk; report trends in the monthly compliance dashboard

Vendor, investor and warehouse oversight

• Run annual vendor reviews and due diligence, including risk tiering and documentation of controls
• Coordinate investor and warehouse lender approvals, annual recertifications and renewals; maintain the repurchase and indemnification tracker

Training and corrective action

• Schedule, assign and track annual staff compliance training and role-specific training; maintain completion records
• Maintain the corrective action plan log across all program areas and report open items to the CCO

Other duties as assigned by the CCO, including support for the annual compliance risk assessment and policy updates

Qualifications

• 3+ years in mortgage compliance, quality control, or regulatory exam support at a lender or broker
• Working knowledge of TILA/RESPA, the MAP Rule, UDAAP, ECOA/fair lending, the SAFE Act and state mortgage broker and lender regulations
• Experience responding to state exams, investor audits or CFPB and NMLS complaints
• Strong writing skills; able to draft regulator-ready responses with minimal editing
• Organized and deadline-driven; comfortable managing multiple open exams, complaints and vendor reviews at once
• Proficient in Excel/Google Sheets and compliance or complaint-management tools; experience with ad-review automation platforms a plus
• Preferred: CRCM, CMCP or similar certification; experience in a multi-state broker environment

What success looks like in year one

• Every exam and audit request answered on time with no repeat findings
• 100% of flagged ads and social posts reviewed within two business days
• Complaint log complete, every complaint acknowledged and resolved within policy timeframes
• All vendors, investors and warehouse lines reviewed or recertified before their due dates