What You'll Do:
Inspire Home Loans is seeking an experienced Senior Compliance Systems & Testing Specialist to support mortgage compliance operations, regulatory change management, compliance reviews, training, and the implementation, testing, and ongoing maintenance of the company's Loan Origination System (LOS). This role serves as a key compliance resource for system development and operational support, ensuring regulatory requirements are accurately incorporated into workflows, disclosures, fee configurations, business rules, alerts, hard stops, automation, procedures, and training materials.
Remote: eligible states may include Arizona, California, Colorado, or North Carolina
The ideal candidate has strong mortgage regulatory knowledge, excellent written and verbal communication skills, and strong technical writing ability, translating complex compliance requirements into practical procedures, test scripts, training materials, job aids, rebuttals, and system specifications. This individual will work closely with Compliance, Operations, IT, Product Owners, Secondary, QC/Internal Audit, and LOS vendors throughout implementation, monitoring, and future enhancements.
Your Key Responsibilities Include:
LOS Implementation, System Testing & Technology Support
- Serve as a primary Compliance representative for LOS implementation projects, conversions, major system upgrades, and future enhancements
- Review and validate system configurations for compliance with federal and state mortgage regulations, investor requirements, and company policies and procedures
- Develop and execute compliance-focused test scripts and User Acceptance Testing (UAT) for disclosures, fee calculations, compliance alerts, business rules, workflows, document generation, and automated processes
- Identify, document, track, and validate remediation of system defects, process issues, and compliance-related concerns
- Apply standard diagnostic techniques to investigate end-user reported issues involving technology platforms, including POS and LOS functionality
- Participate in design sessions and provide regulatory guidance on system enhancements, configuration decisions, controls, and automation
Regulatory, Disclosure & Compliance Support
- Monitor regulatory changes and requirements, including federal and state disclosure and document requirements
- Interpret and apply mortgage lending regulations, including TRID, RESPA, TILA/Reg Z, ECOA, HMDA, Fair Lending, HPML, Privacy, AML/BSA, SAFE Act, NMLS licensing, and applicable state requirements
- Support mortgage operations, Secondary, and business partners by responding to compliance questions, identifying training needs, and assisting with investor compliance concerns
- Maintain a library of applicable federal and state laws and regulations and provide periodic regulatory updates to management
- Assist with development and compliance review of new loan programs, consumer financial products or services, distribution channels, or strategies, including consideration of fair lending compliance risk
- Provide regulatory research and practical recommendations to support business decisions and process improvements
Compliance Reviews, Examinations & Issue Management
- Conduct routine and targeted internal compliance reviews focused on state and federal requirements, investor concerns, QC/internal audit findings, and Inspire policies and procedures
- Assist with state, federal, investor, and internal regulatory examinations, including preparation of rebuttals, management responses, and supporting documentation
- Report and discuss QC, internal audit, and compliance review findings with senior management as appropriate
- Identify process-related issues, partner with the business to resolve or remediate concerns, and validate corrective action effectiveness
- Support compliance risk assessments related to system changes, new functionality, process changes, and operational controls
Documentation, Training & Change Management
- Develop and maintain job aids, standard operating procedures, workflows, compliance documentation, system specifications, testing evidence, issue logs, approvals, and implementation decisions
- Draft and update policies and procedures impacted by system implementation, regulatory changes, process changes, or audit findings
- Create training materials, presentations, reference guides, and communications for loan officers, processing, underwriting, closing, disclosure desk, QC, and operational staff
- Deliver or support training sessions and targeted communications to reinforce compliance requirements and system/process changes
- Participate in regulatory change management, evaluate system impacts, assist in prioritizing compliance-related enhancements, and support post-implementation monitoring and continuous improvement
What You Have:
- Strong working knowledge of the mortgage loan lifecycle and federal and state mortgage lending laws, including TILA/Reg Z, RESPA, ECOA, TRID, HMDA, Fair Lending, Privacy, AML/BSA, SAFE Act, and state mortgage lending requirements
- Experience performing compliance testing, audits, quality control reviews, risk analysis, or targeted compliance reviews
- Experience handling or supporting state, federal, investor, or internal examinations and management responses
- Exceptional written communication, technical writing, verbal communication, and organizational skills
- Ability to communicate regulatory requirements clearly to technical and non-technical audiences
- Experience developing policies, procedures, job aids, training materials, test scripts, issue logs, and management updates
- Proficiency with Microsoft Office products, especially Excel; ability to work effectively with compliance management systems and loan origination systems; Encompass, Vesta, or similar LOS administration/configuration experience preferred
- Strong attention to detail, critical thinking, project management, issue management, and cross-functional collaboration skills
- Experience participating in LOS implementations, conversions, or major system upgrades, including User Acceptance Testing (UAT), preferred
- Knowledge of HMDA, NMLS licensing, privacy requirements, compliance monitoring systems, and automated regulatory tools preferred
- Working AML knowledge, including support for SAR-related processes, preferred
Your Education and Experience:
- 5+ years of mortgage lending experience in Compliance, Quality Control, Operations, Underwriting, Closing, Secondary Marketing, LOS administration, or a related mortgage function
- Mortgage Compliance Certified Professional (CMCP) designation, or equivalent, preferred
About Inspire Home Loans
As an affiliate of Century Communities, we strive to make homeownership a reality. We're proud to be part of the company's mission to create thriving, enduring neighborhoods with lasting livability, focusing on building sustainable, affordably priced homes for our customers while reducing our carbon footprint. For team members, our goal is to provide the resources, opportunities, and benefits needed to build successful, rewarding careers.
