Senior Compliance Analyst: HMDA & Regulatory Reporting Lead

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 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.