Compliance Specialist

Zippy; United States; Remote; USD 85,000 - 120,000; Full time

Benefits offered by this job

Competitive Compensation

Equity for All

Remote Work

Comprehensive Health Coverage

Flexible Spending Accounts

Training & Licensing Support

Paid Time Off

Wellbeing Programs

Parental Leave

No Meeting Wednesdays

Vibrant Slack Community

Career Growth

Job summary

Zippy seeks a detail-oriented Compliance Specialist to join our remote-first team focused on manufactured home lending. You’ll ensure operations align with applicable regulations and coordinate cross-functional compliance projects to ensure successful completion and implementation.

Responsibilities include regulatory updates, project management, research and policy development, and assisting with licensing and reporting.

Qualifications

• Education: High school diploma; compliance certifications are a plus but not required.
• Experience: 3+ years in mortgage lending and/or servicing compliance or risk management, preferably in manufactured home/chattel lending.
• Knowledge: Regulations governing mortgage lending and servicing.
• Skills: Analytical, organized, and project management; proficient in Microsoft Office.

Responsibilities

• Regulatory Updates: Stay informed about changes in state and federal regulations related to chattel loan origination and servicing operations. Assess impact on policies and procedures.
• Project Management: Coordinate compliance-related projects; ensure timely execution and regulatory adherence; collaborate with cross-functional teams.
• Research and Analysis: Conduct regulatory research, analyze policies to identify gaps and enhancements.
• Policy and Procedure Development: Draft, revise, and maintain compliance policies reflecting regulatory requirements.
• Regulatory Exams Assistance: Assist with regulatory examinations and audits; compile and organize documents for regulators.
• Licensing and Reporting: Assist in submitting company and employee license applications and ongoing reporting (NMLC Mortgage Call Report, etc.).

Skills

Regulatory updates

Project management

Research & analysis

Policy development

Regulatory exams

Licensing & reporting

Communication

Microsoft Office

Education

High school diploma

Job description

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.

Position Overview

We are seeking a detail-oriented and proactive Compliance Specialist to join our team in the manufactured home/chattel lending and servicing sector. This role will be pivotal in ensuring our operations align with applicable regulations and standards as well as coordinating compliance and risk related projects across the company to ensure successful completion and implementation.

Key Responsibilities

• Regulatory Updates: Stay informed about changes in state and federal regulations related to chattel loan origination and servicing operations. Assess the impact of regulatory changes on company policies and procedures.

• Project Management: Coordinate compliance-related projects, ensuring timely execution and adherence to regulatory requirements. Collaborate with cross-functional teams to implement compliance initiatives effectively.

• Research and Analysis: Conduct thorough research on regulatory developments, industry trends, and best practices. Analyze existing policies and procedures to identify gaps and recommend enhancements.

• Policy and Procedure Development: Draft, revise, and maintain compliance policies and procedures to reflect regulatory requirements and company objectives.

• Regulatory Exams Assistance: Assist with regulatory examinations and audits. Compile and organize documentation, reports, and data requested by regulators.

• Licensing and Reporting: Assist in the submission of company and employee license application and the ongoing maintenance of such. Preparation and submission of NMLC Mortgage Call Report and other required reporting.

Qualifications

• Education: High school diploma or equivalent required. Compliance related certifications are a plus, but not required.

• Experience: 3+ years of experience in mortgage lending and/or servicing compliance or risk management, preferably in the manufactured home/chattel lending space.

• Knowledge: Knowledge of regulations governing mortgage lending and servicing.

• Skills: Excellent analytical, organizational, and project management skills. Proficiency in Microsoft Office Suite.

• Communication: Excellent written and verbal communication skills. Ability to clearly convey complex regulatory requirements to team members and stakeholders.

Encouraged 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

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, Utah, 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. Nothing in this job posting should be construed as an offer or guarantee of employment.