Product Compliance Analyst - Cash and General Ledger

Sagent; United States; Remote; USD 60,000 - 100,000; Full time

Job summary

An established industry player in financial technology is looking for a Product Compliance Analyst to join their dynamic Compliance Department. This role focuses on ensuring compliance in cash management and general ledger processes within mortgage servicing software. You will analyze business requirements, collaborate with cross-functional teams, and identify risks in financial transactions. The company offers a remote work environment and a comprehensive benefits package, including unlimited flexible time off and tuition reimbursement. If you have a passion for compliance and financial processes, this is the perfect opportunity for you to make an impact.

Benefits

Health Benefits

Unlimited Flexible Time Off

Family Planning Services

Tuition Reimbursement

Paid Family Leave

401(k) Matching

Pet Insurance

LinkedIn Learning

Virtual Social Experiences

Focus Time Fridays

Qualifications

• 2-4 years of experience in product compliance within financial technology.
• Strong understanding of regulatory requirements and industry standards.

Responsibilities

• Analyze business requirements related to cash flow and general ledger reconciliation.
• Work with stakeholders to enhance system capabilities while ensuring compliance.
• Identify risks associated with cash transactions and document financial controls.

Skills

Analytical Skills

Problem-Solving Skills

Regulatory Compliance Knowledge

Financial Process Analysis

Education

Bachelor’s degree in Business or Regulatory Compliance

Tools

Mortgage Servicing Software

Job description

Product Compliance Analyst - Cash and General Ledger

Remote

About the Opportunity: We are a leading SaaS-based financial technology firm specializing in mortgage servicing solutions. We are seeking a Product Compliance Business Analyst to join our Compliance Department, focusing on cash management, general ledger, investor reporting, and credit bureau reporting within our mortgage servicing software. This role will ensure our platform supports compliant financial processing, accurate fund tracking, seamless integration with mortgage accounting requirements, and accurate reporting to investors and credit reporting agencies.

Your day-to-day at Sagent:

Financial & Compliance Process Analysis:

• Analyze and document business requirements related to cash flow, general ledger reconciliation, payment processing, and escrow disbursement within the mortgage servicing platform.
• Work with stakeholders to enhance system capabilities for loan payment processing, suspense account management, and investor remittance while maintaining compliance with state and federal regulations.
• Identify inefficiencies in financial transaction workflows and recommend product improvements to enhance accuracy, security, and automation.

Credit Bureau and Investor Reporting Analysis:

• Utilize existing knowledge of Credit Resource Reporting Guide (CRRG) codes and values to build requirements to ensure accurate credit bureau reporting (CBR) to ensure Sagent’s solutions are in compliance with Fair Credit Reporting Act (FCRA) requirements.
• Utilize existing knowledge of investor (i.e. Fannie Mae, Freddie Mac, Ginnie Mae) and government insurer (i.e. FHA, VA, USDA) requirements to ensure Sagent’s solutions provide accurate reporting to these agencies.
• Identify the appropriate controls needed to perform credit bureau and investor reporting validation and exceptions.
• Work with the Product Teams to ensure that functionality for credit reporting and investor reporting is accurate and meets all requirements.

Cross-Functional Collaboration:

• Partner with compliance colleagues to translate mortgage servicing financial compliance needs into system requirements.
• Work with software engineers and product managers to ensure accurate integration of general ledger functionality and all reporting requirements within loan servicing processes.
• Provide guidance on evolving regulatory and investor reporting requirements, ensuring mortgage reporting transactions comply with industry standards.

Risk Identification & Compliance Support:

• Identify and assess risks associated with cash transactions, loan accounting, and investor remittance processes within the mortgage servicing software.
• Document financial controls and procedures to support audit readiness and regulatory compliance.
• Assist in implementing system controls to mitigate financial and operational risks, ensuring compliance with mortgage servicing requirements.
• Work with development teams to improve financial processing, escrow management, and compliance-driven investor and credit reporting capabilities.
• Participate in user acceptance testing (UAT) for financial system updates, ensuring alignment with accounting best practices and compliance requirements.

We would love to hear from you if you have:

• Bachelor’s degree in Business, Regulatory Compliance, or relevant discipline with 2 - 4 years of experience in a related field. Experience will be considered in lieu of a degree.
• Demonstrated expertise in product compliance within the financial or technology sector.
• Strong understanding of regulatory requirements and industry standards.
• Ability to provide guidance on compliance matters to cross-functional teams.
• Excellent analytical and problem-solving skills.

As a Sagent Associate, you will be eligible to participate in our benefit programs beginning on Day #1! We offer a comprehensive package including Remote/Hybrid workplace options, Health Benefits, Unlimited Flexible Time Off, Family Planning Services, Tuition Reimbursement, Paid Family Leave, 401(k) Matching, Pet Insurance, LinkedIn Learning, Virtual Social Experiences, Career Pathing, Focus Time Fridays and much, much more!