Home Lending Lead Compliance Analyst

Wealthfront; Austin (TX); On-site; USD 125,000 - 144,000; Full time

Benefits offered by this job

Medical, Vision, Dental

401K plan

Parental leave

Wellness reimbursements

Professional development

Employee investing discount

Job summary

Wealthfront seeks a compliance professional to join the Home Lending Compliance team, owning the licensing program and ensuring regulatory readiness for geographic expansion. You’ll partner with leadership to manage day-to-day regulatory requirements, drive process improvements, and supervise licensing renewals, CE and pre-licensing tracking through NMLS.

The role involves cross-functional collaboration with Home Lending Operations, Legal, and Corporate Compliance to ensure strict federal and

Qualifications

• BA/BS degree is required.
• 5+ years of residential mortgage compliance experience including QC or licensing.
• Experience with Nationwide Multistate Licensing System (NMLS) and licensing processes.

Responsibilities

• Conduct pre-funding and post-closing QC reviews on mortgage loan files to ensure compliance with regulations.
• Own end-to-end licensing program for state licenses and MLO licenses through NMLS; manage renewals and CE/Pre-Licensing tracking.
• Research state origination guidelines and monitor changes for expansion readiness.
• Review home lending marketing materials for compliance with TILA (Reg Z) and MAP (Reg N).
• Collaborate with Compliance Operations and Home Lending Operations on consumer complaints and training.
• Prepare and submit annual regulatory reporting and support fair lending monitoring.

Skills

Mortgage compliance

Quality Control

Licensing

Regulatory knowledge

Communication

Education

BA/BS degree in a relevant field

Tools

NMLS

Job description

Wealthfront is seeking a talented, passionate, and detail-oriented compliance professional to join our newly formed Home Lending Compliance team. Our goal is a seamless, tech-enabled mortgage process, and we are looking for a systems builder to help construct the foundational regulatory framework that supports it.

As the newest member of the Home Lending Compliance team, you will partner directly with the Head of Home Lending Compliance to manage day-to-day regulatory requirements while actively identifying opportunities to improve and modernize our compliance workflows. The ideal candidate will enjoy hands-on Quality Control (QC), possess a strong degree of intellectual curiosity, and have a deep interest in applying technology to enhance business processes. Critically, this role will take full ownership of our licensing program and play a key part in our geographic expansion. You will operate cross-functionally, collaborating closely with Home Lending Operations, Legal, and the corporate Compliance team.

Responsibilities

• Conduct independent pre-funding and post-closing Quality Control (QC) reviews on mortgage loan files (including Agency and Non-Agency) to ensure compliance with investor quality standards and federal/state regulations, actively identifying patterns to improve automated system logic.
• Own and manage the end-to-end licensing program for state company and branch licenses and individual Mortgage Loan Originator (MLO) licenses through the NMLS, taking full responsibility for timely renewals, Continuing Education (CE) and Pre-Licensing (PE) tracking, state reporting and acting as the primary compliance contact for licensing inquiries.
• Partner with the Head of Home Lending Compliance to drive state expansion efforts, researching state-specific origination guidelines, monitoring local regulatory changes and ensuring operational compliance readiness as we roll the product in new states.
• Review and approve home lending marketing materials, advertising, and social media content to ensure strict adherence to federal and state regulations, including TILA (Reg Z) and MAP (Reg N).
• Partner with the corporate Compliance Operations and Home Lending Operations teams to investigate and disposition consumer complaints, and assist in administering home lending-specific compliance training.
• Manage the preparation, quality assurance, and submission of the company's annual regulatory reporting, and support fair lending monitoring activities related to underwriting, pricing, and geographic distribution.
• Support the Head of Home Lending Compliance in preparing for and responding to, state and federal regulatory examinations and audits, and investor audits.
• Collaborate with the Head of Home Lending Compliance to draft, maintain, and modernize standard operating procedures (SOPs) and departmental policies, prioritizing efficiency and reduced manual toil.
• Act as a subject matter expert and compliance escalation point for the Home Lending Operations team, providing regular guidance and leading targeted compliance training sessions.

Expertise

• Customer-focused, business-centric, and team-oriented mindset; relentlessly passionate about finding and completing valuable work.
• Deep, practical understanding of mortgage compliance regulations (RESPA, TILA, TRID, ECOA, HMDA, MAP) and GSE underwriting guidelines.
• Excelled organizational and analytical skills with a demonstrated ability to identify process gaps, interpret state-level legislation and implement creative, effective solutions in a fast-paced environment.
• Strong working knowledge of state-specific licensing, registration requirements, and the NMLS.
• Intellectually curious and interested in applying technology to enhance business processes; a systems builder who understands the "why" behind every regulatory step.
• Adept at independently conducting file reviews, analyzing reports, and managing competing priorities with minimal guidance.
• Excellent organizational and analytical skills, with a demonstrated ability to identify process gaps and implement creative, effective solutions in a fast-paced environment.
• Strong verbal and written communication skills, with the ability to translate complex regulatory requirements for operations and sales teams.

Required

• BA/BS degree
• 5+ years of direct experience in residential mortgage compliance including time in Quality Control (QC) or licensing.
• Experience independently utilizing the Nationwide Multistate Licensing System (NMLS).
• Willingness to obtain applicable registrations and/or licenses as necessary.

Preferred

• Prior experience supporting compliance programs in a fintech, digital-first lending, or highly automated mortgage environment.
• Familiarity with modern Loan Origination Systems (LOS).
• Experience collaborating with engineering/product teams to automate compliance controls and convey regulatory requirements.
• Active FHA Direct Endorsement (DE) underwriter designation.
• Experience writing business requirements or compliance rules for engineering teams to build into internal systems.

Estimated annual salary: $125,000 - $144,425 plus equity and a discretionary bonus.

Benefits include medical, vision, dental, 401K plan, generous time off, parental leave, wellness reimbursements, professional development, employee investing discount, and more!

About Wealthfront

Here at Wealthfront, our mission is to create a financial system that favors people, not institutions. We do this by leveraging technology to build powerful, low-cost, and easy-to-use financial products that help modern investors grow and manage their money.

We started with the ambition to transform the investment advisory business. By automating strategies typically reserved for the wealthy, we unlocked access to high quality investment advice for a digitally-native generation that was underserved by traditional institutions. Since then, we've expanded to a full suite of products designed to help our clients turn their savings into long-term wealth, including:

• A Cash Account that, through our partner banks, offers one of the highest annual percentage yields on uninvested cash in the industry, while providing instant and secure access to your money with no account fees and a full suite of checking features.
• A zero-commission Stock Investing Account with 50+ handpicked collections that help DIY investors discover new companies and make smarter investing decisions.
• Multiple automated investing portfolios designed to unlock tax savings through sophisticated strategies like fixed income, tax-loss harvesting, and direct indexing—which we offer at industry-leading low costs and accessible minimums.

Our award-winning products have attracted over 1 million clients who trust us with more than $100 billion of their hard-earned savings—and it's far from done. If you're inspired to help us reshape the financial industry as we create our next chapter, let's talk!

For more information please visit www.wealthfront.com. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Please review our candidate privacy notice.

Disclosures

All investing involves risk, including the possible loss of principal. Tax-loss Harvesting benefits vary depending on the client's entire tax and investment profile. Wealthfront doesn't provide tax advice. The Cash Account is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member of FINRA/SIPC. Wealthfront Brokerage is not a bank. We convey funds to partner banks who accept and maintain deposits, provide the variable interest rate, and provide access to FDIC pass-through insurance. Investment management and advisory services- which are not FDIC insured- are provided by Wealthfront Advisers LLC ("Wealthfront Advisers"), an SEC-registered investment adviser. The checking features offered in the Wealthfront Cash Account are provided by Green Dot Bank, Member FDIC. Fees and Eligibility requirements may apply to certain checking features, please see the Deposit Account Agreement for details.

By "award-winning products", please refer to www.wealthfront.com/reviews for more information.Wealthfront Corporation oversees Total Client Assets and Trusted Clients through Wealthfront Advisers and Wealthfront Brokerage. Wealthfront Advisers and Wealthfront Brokerage are wholly owned subsidiaries of Wealthfront Corporation.