Regulatory Affairs Counsel

CCM CrossCountry Mortgage, LLC; United States; Remote; USD 120,000 - 150,000; Full time

Benefits offered by this job

medical

dental

vision

401K

company-provided short-term disability

employee assistance program

wellness program

Job summary

CrossCountry Mortgage, LLC is seeking a Regulatory Affairs Counsel to manage and support responses to federal and state regulatory examinations, audits, and inquiries. The role will provide counsel across the examination lifecycle and collaborate with the Chief Compliance Officer and business stakeholders to ensure regulatory compliance.

The ideal candidate has 3+ years in mortgage lending with regulatory examination experience and familiarity with TILA/Reg Z, RESPA, ECOA, HMDA.

Qualifications

• 3+ years of mortgage lending experience with regulatory examination or audit focus.
• Experience with regulatory examinations by state regulators, CFPB, or prudential regulators.
• Knowledge of consumer mortgage lending laws (TILA/Reg Z, RESPA, ECOA, HMDA) and state requirements.
• Excellent communication, critical thinking, and problem-solving abilities.

Responsibilities

• Manage CCM’s responses to regulatory examinations, audits, and information requests.
• Ensure compliance with federal and state regulatory requirements through research and evaluation.
• Collaborate with the Chief Compliance Officer on examination readiness and remediation.
• Coordinate with stakeholders to compile documentation for examination requests.
• Track findings, corrective actions, and remediation timelines.
• Develop and amend policies as regulations or examinations change.
• Report to EVP, Attorney, Regulatory Counsel on matters needing attention.
• Other legal and compliance duties as assigned.

Skills

Regulatory exams

Mortgage lending

Encompass

Regulatory knowledge

Communication

Tools

Encompass

Job description

CrossCountry Mortgage (CCM)is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down.

• medical
• dental
• vision
• 401K
• company-provided short-term disability
• employee assistance program
• wellness program

Position Overview

The Regulatory Affairs Counsel is responsible for managing and supporting CrossCountry Mortgage’s responses to federal and state regulatory examinations, audits, and inquiries. This role is expected to make significant contributions to the compliance program by providing consistent and effective counsel to the organization throughout the examination lifecycle.

Job Responsibilities

• Manage and coordinate CCM’s responses to regulatory examinations, audits, and information requests from federal and state agencies.
• Ensure that CCM complies in all material respects with state and federal regulatory requirements through independent research and evaluation.
• Collaborate with the Chief Compliance Officer on developing effective strategies for examination preparedness and remediation.
• Collaborate with business stakeholders to gather, review, and organize documentation and data responsive to examination requests.
• Track and manage examination findings, corrective action plans, and remediation timelines to ensure timely resolution.
• Develop, review, and amend policies and procedures as changes in regulations, examination feedback, or requirements are identified.
• Regularly report to the EVP, Attorney, Regulatory Counsel on examination matters requiring attention while providing recommendations.
• Other legal and compliance responsibilities, as assigned.

Qualifications and Skills

• 3+ years of mortgage lending experience, with at least 1 year in a regulatory examination or audit-focused role.
• Experience managing or supporting regulatory examinations conducted by agencies such as state regulators, the CFPB, or prudential regulators.
• Experience with a loan origination system; Encompass, preferred.
• Knowledge of consumer mortgage lending laws and regulations, including TILA/Reg Z, RESPA, ECOA, and HMDA, as well as state regulatory requirements.
• Excellent communication, critical thinking, and problem-solving skills.
• Skilled at navigating dynamic regulatory environments.

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.

CrossCountry Mortgage, LLC offers MORE than a job, we offer a career.

CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com

California residents: Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California applicants.

CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”).

The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation.

The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.

CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.

To verify licensing, please visit www.NMLSConsumerAccess.org.

Our growth is creating great opportunities!

Our team is expanding, and we want to hire the most talented people we can.

Continued success depends on it!

Thanks for your interest in working on our team!

Our Work Experience is the combination of everything that’s unique about us: our culture, our core values, our company meetings, our commitment to sustainability, our recognition programs, but most importantly, it’s our people.