Compliance Specialist

Efinity Mortgage is seeking a detail-oriented Compliance Manager to support and enhance the company’s enterprise compliance program. This role is responsible for compliance training, regulatory reporting, quality control, licensing support, and risk analysis. The ideal candidate will ensure adherence to federal and state mortgage regulations while promoting operational excellence through proactive education, audit oversight, and data-driven insights.

Key Responsibilities Compliance Training & Education

Develop, implement, and administer company-wide compliance training programs

Conduct onboarding training for Loan Officers and Operations staff

Deliver education on TILA, RESPA, ECOA, HMDA, and Fair Lending requirements

Serve as an internal subject matter expert for compliance-related questions

Track training completion and maintain audit-ready records

Mentor Loan Officers on compliance best practices and emerging risk trends

Audit & Quality Control

Perform pre-closing and post-closing loan file reviews

Ensure adherence to federal/state regulations and investor guidelines

Identify deficiencies, trends, and areas of risk

Document findings and coordinate corrective actions

Support internal and external audits

HMDA & Regulatory Reporting

Manage HMDA data integrity, validation, and annual submission

Resolve HMDA edit checks and data discrepancies

Assist with Mortgage Call Reports (MCR) and other regulatory filings

Maintain organized and audit-ready reporting documentation

Third-Party & Vendor Oversight

Coordinate with compliance vendors (e.g., QC providers, audit firms)

Monitor vendor performance and track findings

Ensure timely remediation of identified issues

Regulatory Monitoring & Implementation

Track and interpret regulatory changes (TILA, RESPA, ECOA, HMDA, Fair Lending)

Assist in implementing updates across policies, procedures, and workflows

Communicate regulatory changes clearly to internal stakeholders

Licensing & NMLS Support

Manage Mortgage Loan Originator (MLO) licensing processes

Support NMLS filings, renewals, and compliance requirements

Prepare regular compliance reports for leadership

Analyze data trends, audit results, and risk indicators

Provide actionable recommendations to improve compliance performance

Branch Support & Cure Management

Monitor monthly branch cure reports and identify trends

Coach and mentor Loan Officers on behaviors driving zero-tolerance cures

Promote best practices to reduce unnecessary cures

Drive proper use of valid Changes of Circumstance (COCs)

Disclosure Support (Backup)

Provide backup support to the Disclosure Desk as needed

Assist with preparation and delivery of initial disclosures

Support Change of Circumstance (CoC) disclosures

Ensure accuracy, compliance, and adherence to internal timelines

Policy & Process Improvement

Assist in updating compliance policies and procedures

Document workflows, controls, and best practices

Partner with Operations to improve loan file quality and efficiency

Qualifications Required

2–5+ years of mortgage compliance, quality control, or related experience

Strong knowledge of TILA, RESPA, ECOA, HMDA, and Fair Lending regulations

Experience reviewing mortgage loan files (pre- and post-closing)

Familiarity with NMLS and Mortgage Call Reports (MCR)

Experience working in a Loan Origination System (LOS), preferably MeridianLink

Strong analytical, organizational, and problem-solving skills

Ability to manage multiple priorities in a fast-paced environment

Preferred

Experience working with compliance vendors (e.g., QC platforms or audit firms)

Advanced Excel or reporting/data analysis skills

Experience developing or delivering training programs

About the Company Efinity Mortgage has a mission to equip and enable people to live their life's passions. Our core values are:

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