Job Description

Chief Compliance Officer

The Chief Compliance Officer is responsible for leading and overseeing the organizations compliance program within the mortgage industry. This senior role ensures that all mortgage operations adhere to federal and state laws and regulations, including but not limited to RESPA, TILA, HMDA, ECOA, TRID, and CFPB guidelines, as well as investor compliance-related guidelines. The Chief Compliance Officer will develop, implement, and monitor policies and procedures to mitigate risk, ensure regulatory compliance, and promote a culture of integrity and accountability across the organization.

Responsibilities

• Develop and guide the companys mortgage compliance strategy, ensuring alignment with federal and state laws and regulations as well as investor guidelines.
• Oversee the design, implementation, and monitoring of compliance policies, procedures, and internal controls across all mortgage operations.
• Serve as a liaison with regulatory agencies, investors, and auditors during examinations, audits, and inquiries.
• Support and collaborate with the Office of the General Counsel in its oversight of the companys compliance management system, including integration with loan manufacturing, servicing, and support services.
• Monitor regulatory changes and assess their impact on business operations; communicate updates and recommended actions to executive leadership; support and implement the advice and recommendations of the Office of the General Counsel.
• Manage the compliance team, including hiring, training, performance management, and succession planning.
• Set departmental goals and KPIs, ensuring team accountability and alignment with organizational objectives.
• Provide strategic direction and mentorship to compliance managers, analysts, and support staff, fostering a culture of integrity, collaboration, and continuous improvement.
• Oversee the preparation and submission of required regulatory reports and disclosures.
• Collaborate cross-functionally with Legal, Risk, Sales, Operations, Servicing, and other departments to ensure cohesive compliance practices and risk mitigation.
• Conduct internal investigations into compliance concerns and oversee the implementation of corrective actions.
• Advise on departmental budget, resource allocation, and technology needs to support compliance operations.
• Present updates to executive leadership regarding compliance status, risk exposure, and strategic initiatives.

Qualifications

• Deep understanding of mortgage lending regulations and compliance requirements.
• Strong leadership and strategic thinking skills.
• Excellent communication and interpersonal abilities.
• High-level analytical thinking required to interpret complex regulations, assess risk, make recommendations, and develop strategic compliance initiatives.
• High ethical standards and integrity.
• Strong analytical and problem-solving skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Proficiency in compliance management systems and tools.

Experience and Education

• Minimum of 10 years of experience in mortgage compliance, with at least 5 years in a senior leadership role.
• Proven track record of managing regulatory examinations and audits.
• Experience working with federal and state regulators (e.g., CFPB, HUD, state banking departments).
• Certifications such as CRCM (Certified Regulatory Compliance Manager) or similar are a plus.
• Bachelors degree in Business, Finance, Law, or related field (Masters or JD are a plus).

Additional Requirements:

• Travel: Occasional travel may be required for regulatory meetings, conferences, or site visits (typically less than 10%).
• Confidentiality: Must maintain strict confidentiality and discretion when handling sensitive company and client information.

Benefits

• 401k Company Match
• Annual Charitable Matching Gift Program
• Commuter Benefits
• Company Holidays
• Credit Union Membership
• Dental Insurance
• Dependent Care Plan
• Disability Insurance
• Employee Assistance Program
• Life Insurance
• Medical Insurance
• Paid Time Off Plan
• Vision Insurance
• Weekly Non-Management Dinner Benefit

Spring EQ is an Equal Opportunity Employer. We make all employment decisions based on merit and business needs. If you require a reasonable accommodation at any stage of the hiring or employment process, please contact recruiting@springeq.com.

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