Senior Compliance Analyst
Hometap
full-time
Posted on:
Location Type: Remote
Location: Massachusetts • United States
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Salary
💰 $115,000 - $135,000 per year
Job Level
About the role
- Partner with Product and Operations teams to provide guidance on new and existing home equity offerings, with a focus on state lending regulatory requirements
- Participate in risk assessments, including control testing and remediation validation
- Complete monitoring and compliance testing activities on a designated schedule, focusing on origination and servicing requirements such as state-specific disclosures, payoff statements, quarterly account statements, and default handling – including preparing reports and summarizing findings for stakeholders and senior management
- Maintain current working knowledge of federal, state, and local regulations applicable to home equity investments, including Regulation Z (TILA), Regulation X (RESPA), Regulation B (ECOA), Regulation C (HMDA), FDCPA, and SCRA/MLA
- Partner with business teams on issue remediation, including identifying open risks and ensuring operational changes are implemented to prevent future issues
- Provide expert regulatory advice on compliance program elements
- Monitor internal controls and establish testing programs within Servicing and Operations to ensure compliance with laws and regulations
- Review communications and documentation templates for adherence to regulatory requirements
- Assist in reviewing and resolving customer complaints related to servicing activities, identifying root causes, and documenting remediation as needed
- Develop and deliver compliance training and communications for employees
- Stay current on the broader regulatory environment, industry standards, and best practices for financial institutions
Requirements
- 5+ years of compliance experience in a financial institution, preferably in mortgage, home equity servicing, or consumer lending
- Working knowledge of consumer finance regulations, with a strong preference for equity investment or mortgage experience—including Regulation Z (TILA), Regulation X (RESPA), and requirements related to defaults and foreclosures
- Experience conducting first or second line of defense control testing
- Ability to build strong working relationships and partner effectively across all levels of the organization, especially with Servicing and Operations teams
- Experience developing and delivering compliance training for broad audiences
- Strong analytical and conceptual thinking skills, with the ability to interpret regulations and turn them into actionable steps
- Comfortable working independently in a fast-changing environment as the business and regulatory landscape evolves
- Customer-service mindset with experience collaborating across teams
- High personal and professional integrity
- Commitment to diversity and respect for others
- Bachelor's degree or equivalent experience.
Benefits
- Competitive compensation
- Healthcare coverage
- Generous PTO
- Meaningful equity package
- Strong culture with team-building opportunities
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
compliance experiencecontrol testingmonitoring and compliance testingregulatory adviceregulatory requirements interpretationcompliance training developmentrisk assessmentremediation validationcustomer complaint resolutionanalytical skills
Soft skills
relationship buildingcollaborationindependent workingadaptabilityintegritycommitment to diversityconceptual thinkingcustomer-service mindsetcommunicationproblem-solving