Mortgage - Regulatory Specialist
Core
Uphold and strengthen the Compliance Management Program by providing regulatory guidance, identifying risks, and ensuring adherence to federal and state mortgage regulations.
Role type
Mortgage Regulatory Specialist
Builds
Compliance management program, regulatory guidance, risk mitigation strategies
Domain
Mortgage lending, US financial regulation
Deliverable
client delivery | dashboards & analysis
Required skills
Federal and state mortgage lending regulations (ECOA, HMDA, RESPA, TILA, UDAAP, ATR/QM, TRID, MAP, CAN-SPAM, SCRA, TCPA), regulatory research and interpretation, loan-level investigation, transaction testing and monitoring, policy drafting and maintenance, regulatory reporting
Preferred skills
ICE Mortgage Technology Solutions (Encompass), Fair Lending reviews (redlining, matched-pair testing), regulatory report submission (HMDA, MCRs)
Technologies
Encompass, Microsoft Office (Outlook, Excel, Word, PowerPoint), AI tools
Responsibilities
Research and interpret federal/state regulatory requirements; review consumer-facing advertisements for compliance; investigate loan-level issues using Encompass; conduct transaction testing and monitoring of loan samples; draft and maintain company policies and procedures; prepare for federal/state examinations; leverage AI tools while adhering to governance
Seniority
Mid-level, hands-on IC