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Flat Branch Home Loans · 1 day ago

Enterprise Compliance Officer

United States

Full-time

Remote

Senior Level, Lead/Staff

8+ years exp

Flat Branch Home Loans is seeking an Enterprise Compliance Officer to mature their Compliance Management System and provide legal and regulatory support across the mortgage lifecycle. The ideal candidate will develop policies, enhance compliance systems, and champion a culture of compliance focused on consumer protection and operational excellence.

Real Estate

Growth Opportunities

Responsibilities

Own the policy framework: draft, revise, and harmonize enterprise Compliance Policies, Standards, and Procedures for origination and servicing; maintain version control and evidence of stakeholder approvals

Develop training content, role-based learning plans, and tracking mechanisms

Convert complex rules into concise, actionable guidance

Enhance the CMS around the pillars of Board/Management Oversight, Compliance Program, Consumer Complaint Response, and Independent/Internal Compliance Audit/Testing through the maintenance of control libraries, regulatory inventories, issue management, and corrective action tracking

Embed controls into procedures and system workflows; partner with Operations and IT to implement and where possible, automate preventive, detective, and corrective controls

Assist business areas in performing root-cause analysis and oversee remediation where applicable

Advise on change management for new products, channels, servicing strategies, and system implementations

Ensure governance routines (committees, dashboards, reporting) operate consistently

Draft and review compliance-related contract provisions, vendor agreements, service-level standards, and consumer-facing forms and disclosures

Prepare board and executive reports on compliance risk posture, trends, testing results, issues, and remediation

Champion a culture of compliance focused on consumer protection, fairness, data integrity, and operational excellence

Prioritizes based on consumer and business impact

Partners effectively with Sales, Servicing, Ops, and Admin Teams

Qualification

Mortgage regulatory expertiseCompliance Management System (CMS)Policy writingRisk assessmentsStakeholder managementCommunication skillsPresentation skills

Required

Must have a practical, current command of mortgage laws and investor/GSE/agency guidelines

8–12+ years of progressive compliance experience in mortgage origination and servicing within a lender, servicer, bank, non-bank mortgage company, or consultancy

Proven experience building or maturing a CMS, including risk assessments, testing programs, issue management, and executive reporting

Strong policy writing skills with the ability to craft clear, implementable policies/procedures and align them with system controls

Excellent communication, stakeholder management, and presentation skills; comfortable engaging regulators, executives, and auditors