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Hometap · 1 day ago

Senior Compliance Analyst

United States

Full-time

Remote

Mid, Senior Level

$115K/yr - $135K/yr

5+ years exp

Hometap is a company focused on making homeownership less stressful and more accessible through innovative financial solutions. They are seeking a Senior Compliance Analyst to ensure compliance with regulatory and legal standards, conduct reviews, and provide guidance across the organization.

Financial Services

Growth Opportunities

Responsibilities

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

Qualification

Compliance experienceConsumer finance regulationsControl testingRegulation Z (TILA)Regulation X (RESPA)Compliance trainingAnalytical skillsCustomer-service mindsetHigh integrityDiversity commitmentBachelor's degreeReal estate familiarityGRC tools experienceCRCM certification

Required

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