Senior Compliance Analyst

Affordable Mortgage Advisors, LLC dba Holland Mortgage; United States; À distance; USD 95 000 - 130 000; Plein temps

Résumé du poste

HMA Mortgage is seeking a Senior Compliance Analyst to own critical regulatory reporting and serve as a go-to resource for day-to-day compliance inquiries. You will work directly with senior leadership and influence how our compliance program grows.

You will manage HMDA data, MCR, and licensing processes, provide guidance on TRID/RESPA/TILA/UDAAP, and support audits. A strong analytics background and experience with large datasets are essential.

Qualifications

• 5+ years of mortgage compliance experience, including hands-on HMDA and MCR preparation.
• Working knowledge of TRID, RESPA, TILA, ECOA, GLBA, and UDAAP, as applied to real loan files.
• Experience supporting regulatory or investor exams and audits.
• Strong analytical skills and comfort with large data sets; advanced Excel required; HMDA software and LOS experience a plus.
• Clear, concise writing and the ability to explain risk in business terms.
• Self-starter who thrives in a small team and can manage multiple deadlines without close supervision.
• Experience working with outside consultants or service providers and holding them to deliverables and timelines (preferred).
• Experience with third-party/vendor risk management, including due diligence reviews and risk assessments (preferred).
• Preferred: CRCM or similar certification; multi-state licensing and NMLS exposure; experience in retail origination.

Responsabilités

• Own regulatory reporting — HMDA (LAR), quarterly Mortgage Call Report (MCR), and state reporting via NMLS; manage the submission calendar and documentation.
• Ensure HMDA data integrity end-to-end: scrub, validate, correct, and submit the annual LAR; perform quarterly checks.
• Prepare and submit quarterly MCR and state reports with accurate reconciliation to loan data.
• Prepare and file annual state mortgage reports and track jurisdictional requirements and due dates.
• Serve as the first point of contact for TRID, RESPA, TILA, ECOA/UDAAP questions and escalate high-risk items.
• Review marketing content for compliance before use.
• Conduct risk-based testing and monitoring; track remediation to closure; perform root cause analysis and recommend controls.
• Own third-party risk program: vendor inventory, due diligence, SOC reports, licensing, and oversight; manage MSAs for RESPA compliance.
• Coordinate regulator/investor/internal audits: gather files, draft responses, and track findings; maintain policies and training content.
• Produce clear leadership reporting; oversee third-party resources and ensure timely deliverables.

Formation

Bachelor's degree

Outils

HMDA software

LOS

Description du poste

HMA Mortgage is a retail independent mortgage bank licensed in 35 jurisdictions. Our Compliance team protects the company from regulatory, financial, and reputational loss while keeping originations moving. As a Senior Compliance Analyst, you will independently own critical regulatory reporting, serve as a go-to resource for the business on day-to-day compliance questions, and help us stay exam-ready. You will work directly with senior leadership and have real influence on how our compliance program grows.

What You’ll Do

Regulatory Reporting

• Serve as the owner of the company's regulatory reporting — HMDA (LAR), the quarterly Mortgage Call Report, and NMLS state reporting — accountable for accuracy, the submission calendar, and the supporting documentation, running the reporting cycle independently with the SVP as oversight.
• Own HMDA data integrity end to end: scrub, validate, correct, and submit the annual LAR, and perform ongoing quarterly checks.
• Prepare and submit the quarterly Mortgage Call Report (MCR) and state-level reporting through NMLS, with accurate reconciliation to financial and loan data.
• Prepare and file annual state mortgage reports, as applicable by jurisdiction, including state-specific annual filings submitted through NMLS or directly to the state regulator, and track each state’s requirements and due dates.

Compliance Advisory and Monitoring

• Serve as the first point of contact for business-line questions on TRID, RESPA, TILA, ECOA/Reg B, GLBA, and UDAAP, escalating complex or high-risk issues to the SVP.
• Review marketing, advertising, and social media content for compliance before use.
• Conduct risk-based transactional testing and monitoring, document findings, and track remediation to closure.
• Perform root cause analysis on errors and recommend control improvements.

Licensing and Third-Party Oversight

• Own the third-party risk program end to end — maintain the vendor inventory and risk tiering, collect and review due diligence materials (financials, SOC reports, insurance, licensing, information security questionnaires , track remediation and periodic reviews through the vendor inventory, and escalating high-risk issues to the SVP.
• Support company and individual licensing: applications, renewals, amendments, and multi-state requirements.
• Monitor Marketing Services Agreements (MSAs) and similar referral arrangements for RESPA Section 8 compliance, including fair-market-value support, payment review, and periodic testing.

Audits and Examinations

• Coordinate regulator, investor, and internal audit requests: gather loan files and data, prepare responses, and track findings.
• Help draft exam responses and corrective action plans.

Compliance Program Support

• Monitor regulatory changes and flag business impact.
• Help maintain policies, procedures, and training content.
• Produce clear, concise reporting for leadership.
• Coordinate and oversee the work of third-party compliance resources (e.g., outsourced consultants or testing firms): communicate scope and deadlines, review deliverables for quality and completeness, track findings and remediation, and escalating performance or risk concerns to the SVP.

What You Bring

• 5+ years of mortgage compliance experience, including hands‑on HMDA and MCR preparation.
• Working knowledge of TRID, RESPA, TILA, ECOA, GLBA, and UDAAP, as applied to real loan files.
• Experience supporting regulatory or investor exams and audits.
• Strong analytical skills and comfort with large data sets (advanced Excel required; HMDA software and LOS experience a plus).
• Clear, concise writing, and the judgment to explain risk in business terms.
• Self-starter who thrives in a small team and can manage multiple deadlines without close supervision.
• Experience working with outside consultants or service providers and holding them to deliverables and timelines (preferred).
• Experience with third-party/vendor risk management, including due diligence reviews and risk assessments (preferred).
• Bachelor's degree preferred, or equivalent experience.
• Preferred: CRCM or similar certification; experience with multi-state licensing and NMLS; experience in a retail origination environment.

HMA Core Values in This Role

These values are the behavioral standard for the role, assessed alongside results. Results delivered in a way that violates them do not count as results.

• Integrity — a compliance position is defensible on the regulation and the record, not on who is asking for the answer. Pressure never changes what the rule requires.
• Grit — the hard regulatory question gets the full analysis, not a convenient read. Rule changes, new reporting cycles, and exam pressure are absorbed without a drop in quality.
• Accountability — regulatory accuracy belongs to this seat. When a finding or error lands, this role arrives with the cause, the correction, and the control that prevents a repeat.
• Service — the business lines, Sales, and leadership are all customers. The test is whether the next person can act on the guidance without chasing it, and move the loan forward compliantly.
• Humility — root cause is pursued even when it points at our own process. Getting the control right matters more than being right about who caused the gap.
• Speed of Response — compliance questions and escalations receive a response inside a defined window. The acknowledgment is owed immediately; the answer is owed on a clock.

HMA Mortgage is an equal opportunity employer. This job description describes the general nature of the role and is not an exhaustive list of all responsibilities, duties, or skills required.