We are seeking a detail-oriented and highly organized Compliance Analyst to support our Compliance Department in ensuring adherence to federal and California mortgage regulations. This role is responsible for reviewing and monitoring advertising and marketing materials, conducting social media compliance monitoring, supporting licensing and training requirements, assisting with regulatory examinations, and supporting anti-money laundering (AML) and financial crimes compliance efforts.
This is a highly trainable position and an excellent opportunity for an individual looking to grow their career in mortgage compliance. The ideal candidate possesses strong analytical skills, exceptional attention to detail, sound judgment, and the ability to learn and apply complex regulatory requirements.
Key Responsibilities
Advertising & Marketing Compliance
- Review and approve mortgage-related advertising, marketing, and consumer-facing materials to ensure compliance with federal, state, and company requirements.
- Review content across multiple channels, including websites, landing pages, email campaigns, text messaging campaigns, print advertisements, direct mail, social media posts, online directories, digital advertisements, videos, and promotional materials.
- Conduct ongoing monitoring of company and Loan Originator advertising activities to ensure compliance with applicable laws, regulations, and company policies.
- Monitor Loan Officer social media accounts used for business purposes, including Facebook, Instagram, LinkedIn, TikTok, YouTube, and other platforms, to identify potential advertising and licensing violations.
- Verify that required disclosures, NMLS information, licensing information, and company branding requirements are properly displayed in advertisements and social media content.
- Monitor online reviews, testimonials, endorsements, and customer feedback channels for compliance with applicable advertising regulations.
- Review and monitor third-party lead generation vendors, marketing agencies, referral partners, and advertising platforms for compliance with company standards and regulatory requirements.
- Identify, document, and escalate advertising violations, unauthorized marketing activity, and recurring compliance concerns.
- Maintain records of advertising reviews, approvals, monitoring activities, findings, and corrective actions.
- Stay informed of emerging advertising trends, social media platforms, and regulatory developments affecting mortgage marketing and consumer communications.
Compliance Monitoring & Regulatory Support
- Conduct routine compliance monitoring and testing activities.
- Assist with internal audits, quality control reviews, and risk assessments.
- Analyze compliance findings and identify trends or areas requiring additional oversight.
- Assist in preparing documentation and responses for state and federal regulatory examinations, audits, and compliance reviews.
- Track corrective actions and remediation efforts resulting from audits, examinations, or internal reviews.
- Maintain organized and accurate compliance records and documentation.
AML/BSA & Financial Crimes Compliance
- Identify potential suspicious activity and assist with investigations in accordance with Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) requirements.
- Assist with the preparation, documentation, and filing of Suspicious Activity Reports (SARs), as applicable.
- Support fraud prevention, AML monitoring, and financial crimes compliance initiatives.
- Maintain confidentiality of sensitive customer and company information.
Training, Licensing & Administrative Compliance
- Monitor employee licensing status and assist with tracking renewal deadlines and regulatory requirements.
- Follow up with Loan Originators and staff regarding required continuing education, compliance training, and licensing obligations.
- Maintain accurate training, licensing, and compliance records.
- Escalate overdue training, licensing, or compliance requirements.
- Assist in developing compliance communications, training materials, and guidance related to advertising, social media, and regulatory requirements.
Applicable Laws & Regulations
- Truth in Lending Act (TILA) / Regulation Z
- Real Estate Settlement Procedures Act (RESPA) / Regulation X
- Equal Credit Opportunity Act (ECOA) / Regulation B
- Fair Housing Act (FHA)
- Gramm-Leach-Bliley Act (GLBA)
- FTC Act (UDAAP/UDAP principles)
- CFPB advertising and marketing guidance
- CAN-SPAM Act
- Telephone Consumer Protection Act (TCPA)
- California Department of Financial Protection and Innovation (DFPI) requirements
- California mortgage advertising and disclosure regulations
- California Consumer Privacy Act (CCPA), as applicable
- NMLS advertising and licensing requirements
- Bank Secrecy Act (BSA)
- Anti-Money Laundering (AML) regulations
- FinCEN SAR reporting requirements
Qualifications
- Minimum 1 year of experience in mortgage, banking, financial services, compliance, quality control, operations, risk management, marketing review, or a related field.
- Strong attention to detail and ability to identify inconsistencies and potential compliance concerns.
- Excellent organizational, analytical, and problem-solving skills.
- Ability to interpret policies, procedures, and regulatory requirements.
- Strong written and verbal communication skills.
- Ability to manage multiple priorities and meet deadlines in a fast-paced environment.
- Proficiency with Microsoft Office applications, including Excel, Word, and Outlook.
- Ability to work independently while collaborating effectively with multiple departments.
Preferred Qualifications
- Experience in mortgage lending, mortgage brokerage, banking, financial services, or regulatory compliance.
- Familiarity with mortgage advertising regulations and social media compliance requirements.
- Experience with compliance, quality control, or workflow management systems.
- Experience with AML/BSA compliance, fraud prevention, or SAR filings.
- Familiarity with NMLS licensing requirements.
- Experience supporting regulatory examinations, audits, or compliance reviews.
- Associate's or Bachelor's degree in Business, Finance, Legal Studies, Communications, Marketing, or a related field.
Pay: $55,324.79 - $67,512.84 per year
Benefits:
- 401(k)
- Dental insurance
- Health insurance
- Life insurance
- Paid time off
- Vision insurance
Work Location: In person
