Mortgage Compliance Analyst

Socket.dev; Frisco (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Competitive salary & bonuses

Medical, dental, vision, life保险

Generous vacation

Paid parental leave

Job summary

PVH is seeking a Mortgage Data Validation Analyst to ensure HMDA loan origination data accuracy and regulatory compliance. The role involves close collaboration with mortgage stakeholders to identify risk issues and implement safeguards for data integrity.

You will validate data, perform root cause analysis, and help design controls and testing scenarios to support risk mitigation and compliant processes.

Qualifications

• Experience in mortgage or HMDA data environments.
• Strong attention to detail and organizational skills.
• Analytical thinker with problem-solving mindset.
• Ability to communicate with stakeholders across mortgage teams.

Responsibilities

• Validate HMDA data on loan applications for accuracy and regulatory compliance.
• Conduct root cause analysis to identify and resolve risk issues.
• Design and implement controls to mitigate regulatory risk.
• Gather and document business requirements for process changes and system enhancements.
• Develop testing scenarios and support automation to ensure thorough validation.

Skills

Mortgage experience

Organized & detail-oriented

Problem solving

Stakeholder management

Education

Bachelor degree or high school diploma

Job description

Who we are:

Shape a brighter financial future with us.

Together with our members, we're changing the way people think about and interact with personal finance.

We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The role:

The position is responsible for the analysis and validation of Home Loans Loan Origination System data used in HMDA reporting, ensuring the LOS reflects accurate data. This role involves close collaboration with business stakeholders to identify and resolve risk issues. A proactive approach to problem-solving is essential, focusing on both immediate issue resolution and the implementation of safeguards to prevent recurrence.

What you’ll do:

• HMDA Data Validation: Review and validate HMDA data on loan applications to ensure accuracy and compliance with regulations.
• Problem Solving & Root Cause Analysis: Utilize structured methodologies to investigate operational issues, identify root causes, and develop sustainable solutions for risk resolution.
• Risk Mitigation & Control Design: Evaluate process-related risks, then design and implement controls and preventative measures to ensure regulatory compliance and adherence to internal policies.
• Business Requirements Gathering: Collaborate with stakeholders to gather and document comprehensive business requirements for process changes and system enhancements, specifically for risk mitigation.
• Test Scenario Development & Automation Support: Partner with business users and IT to define business-focused testing scenarios for system changes and support their automation to ensure thorough validation and minimize post-implementation issues.

What you’ll need:

• Mortgage Experience
• Organized and Attention to Detail
• Problem Solver
• Stakeholder management (ability to communicate across all of mortgage)

Minimum requirements:

• Minimum Education Requirements such as: High School Diploma or Bachelor's Degree
• Minimum Experience Requirements such as: 1 year experience in a similar role
• Knowledge of certain systems, policies, and procedures that are necessary to perform basic job functions right away
• Language requirements if consistently partnering with teams that have a large client base with a foreign language

Nice to have:

• Experience in Risk Issues
• Automated Testing

Why you’ll love working here:

• Competitive salary packages and bonuses
• Comprehensive medical, dental, vision and life insurance benefits
• Generous vacation and holidays
• Paid parental leave for e