Mortgage Servicing Compliance Program Manager

Cornerstone Capital Bank; Plano (TX); On-site; USD 90,000 - 150,000; Full time

Benefits offered by this job

Medical insurance

401K plan

Paid parental leave

Job summary

Cornerstone Capital Bank is seeking a Mortgage Servicing Compliance Program Manager responsible for building and maintaining a comprehensive compliance program across mortgage servicing operations. You will partner with Legal, Risk, Audit, and business leaders to implement controls, manage regulatory changes, and oversee complaint handling and testing activities.

The role requires deep knowledge of RESPA, TILA, FDCPA, FCRA, and UDAAP, with a minimum of 5 years in mortgage compliance.

Qualifications

• Bachelor's degree preferred or equivalent experience.
• Minimum 5 years of mortgage compliance experience.
• Knowledge of federal and state mortgage servicing laws and regulations.
• Ability to communicate clearly with regulators and senior management.

Responsibilities

• Own and enhance the Mortgage Servicing CMS and related policies.
• Track regulatory changes and advise on disclosures and procedures.
• Support examinations, audits, and compliance reviews.
• Conduct periodic risk assessments across mortgage servicing functions.
• Monitor complaints and identify trends for risk mitigation.
• Collaborate with Servicing, Legal, Risk, and QA teams.

Skills

Mortgage compliance knowledge

Regulatory change management

Communication skills

Multi-tasking

Attention to detail

Time management

Education

Bachelor's degree or equivalent experience

Tools

Microsoft Office

Job description

Who we are looking for:

The Mortgage Servicing Compliance Program Manager is responsible for developing, implementing, and maintaining a comprehensive compliance management program that ensures adherence to applicable federal and state mortgage servicing laws, regulations, investor requirements, and company policies. This role provides oversight of compliance controls, regulatory change management, complaint and issue management, monitoring and testing activities, and corrective action plans across mortgage servicing operations. In addition, the role will provide compliance oversight and support for Cornerstone Capital Bank, SSB affiliates Cornerstone Insurance Agency ("CIA") and MetriQ Valuation ("MetriQ").

The Mortgage Servicing Compliance Program Manager partners closely with Servicing, Legal, Risk, Quality Assurance, Audit, and business leaders to identify compliance risks, evaluate operational impacts, and implement sustainable controls. This position is responsible for supporting regulatory examinations, internal audits, and compliance reviews while providing guidance and subject matter expertise on mortgage servicing regulatory requirements, including RESPA, TILA, FDCPA, FCRA, UDAAP, loss mitigation, and customer complaint management.

What you'll do:

• Manage and enhance the Mortgage Servicing Compliance Management System (CMS).
• Support the development and implementation of policies, procedures, and other compliance program elements for Cornerstone Capital Bank, SSB and its operating divisions and Affiliates.
• Assist in tracking changes and updates to laws, rules, and regulations ("LRRs"), regulatory agency policy statements, and guidance to identify when new or revised disclosures, policies or procedures are needed.
• Periodically review current disclosures, policies, and procedures to ensure accuracy and completeness.
• Work with ERM partners and the line of business to ensure compliance changes are implemented timely.
• Ensure completion of risk governance and compliance program activities, as assigned, to include remediation and progression through the issue management lifecycle.
• Conduct periodic compliance risk assessments across mortgage servicing functions to identify, evaluate, and monitor regulatory compliance risks; assess the effectiveness of existing controls; recommend risk mitigation strategies; and partner with business stakeholders to address control gaps and emerging risks.
• Support regulatory examinations, audits, and compliance reviews.
• Monitor emerging regulatory requirements and industry trends.
• Analyze consumer complaints and servicing issues to identify trends and potential compliance risks.
• Work on other assigned compliance-related projects, as needed.

What you'll need to be successful:

Success in this job relies on your time management skills, organization, and positive attitude. In addition, you'll need the following qualifications:

• Strong knowledge of federal and state laws applicable to mortgage;
• Ability to multi-task and meet deadlines;
• Familiarity with the regulatory landscape, including trends with enforcement actions taken, and remediating regulatory findings;
• Excellent communication (verbal and written) and organizational skills; working directly with regulators and senior management;
• Strong research and computer skills, proficiency with Microsoft Office;
• Strong analytical reasoning, problem-solving, and critical thinking skills;
• Ability to pay significant attention to detail, multi-task, and meet deadlines.
• This position requires a minimum of 5 years of experience in mortgage compliance.
• Bachelors or equivalent experience preferred

What we offer:

• Because we recognize and reward hard work, we offer a competitive salary, Medical, Dental, Vision, Accidental Death, Long-Term Disability, Short-Term Disability, FSA, HSA, 401K, Basic Life, Voluntary Life, and Paid Parental Leave benefits, as well as the opportunity for a performance based bonus based on position and department.

Cornerstone Capital Bancorp, Inc., headquartered in Houston, is aTexas-basedfinancial services company dedicated to helping families, businesses, and communities thrive. Throughitsprimary subsidiary, Cornerstone Capital Bank, the organizationoperatesa community and business banking franchise alongside a premier national home lending, servicing, and home insuranceplatform-basedfinancial services company dedicated to helping families, businesses, and communities thrive.

Guided by a core Mission, Vision and Convictions statement,Cornerstoneoperates17full-servicebanking locations across major Texas markets andmorethan 150mortgage offices nationwide.The companyhas servednearly700,000customersthrough itsfamily of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members,Cornerstoneis consistently recognized as a Fortune-certified Great Place to Work and a Top Workplace.

Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is the highest-capitalizednew bank in Texas history.

We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.

For further information, please review the Know Your Rights notice from the Department of Labor.