Position Summary
Efinity Mortgage is seeking an experienced Internal Audit & Regulatory Oversight Specialist to lead internal audit initiatives and strengthen regulatory readiness across a multi-state mortgage platform. This role provides independent oversight of Quality Control functions, third-party audit vendors, and state examination processes, while advising leadership on emerging regulatory risks and control effectiveness.
This position plays a critical role in ensuring the integrity, accuracy, and consistency of compliance-related activities through objective validation and audit practices.
Independence & Organizational Structure
This role operates independently from day-to-day Compliance and Quality Control execution. While working in close partnership with the Compliance Manager, the Internal Audit & Regulatory Oversight Specialist provides objective review, validation, and oversight of compliance processes to ensure regulatory alignment and operational integrity.
Compensation:
$65,000 - $75,000 yearly
Responsibilities:
Internal Audit & QC Oversight
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Audit internal Quality Control (QC) processes and validate the accuracy and consistency of findings
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Identify gaps between QC reviews and audit outcomes, ensuring alignment and accountability
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Enhance internal audit frameworks, methodologies, and control structures
Third-Party Vendor Oversight
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Oversee third-party QC and audit vendors to ensure consistency, accuracy, and compliance
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Evaluate vendor performance and maintain accountability for deliverables
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Ensure audit standards and expectations are consistently met across external partners
Regulatory Exams & State Oversight
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Assist in managing state regulatory examinations, audits, and responses
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Coordinate documentation, responses, and remediation efforts
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Serve as a subject matter expert on state-level mortgage regulations across multiple jurisdictions
Risk Identification & Reporting
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Identify regulatory, operational, and compliance risks across the organization
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Prepare and deliver executive-level reporting with actionable insights
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Track defect trends and provide recommendations for continuous improvement
Audit Strategy & Continuous Improvement
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Strengthen internal controls and audit processes to enhance regulatory readiness
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Monitor trends in audit findings, QC results, and regulatory feedback
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Partner with leadership to proactively address risks and improve audit outcomes
Key Performance Indicators (KPIs)
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QC vs. Audit Variance: Maintain less than 5% variance between QC and audit findings
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State Exam Results: Achieve zero material findings with timely remediation of any issues
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Defect Trends: Demonstrate measurable improvement in defect rates over time
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Vendor Audit Accuracy: Ensure high-quality, consistent performance from third-party vendors
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Reporting Timeliness: Deliver accurate monthly executive reporting on schedule
Qualifications:-
4–7+ years of experience in mortgage compliance, quality control, or internal audit
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Strong knowledge of multi-state mortgage regulations and agency guidelines
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Proven experience supporting or managing regulatory exams and audit processes
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Strong analytical, critical thinking, and reporting skills
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Ability to work independently while influencing cross-functional teams
About 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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Total transparency
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Facilitate the perfect process
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Integrity in everything we do
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Pioneer impactful innovations
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Live life's passions
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Win long-term, together
