Compliance Analyst

Hometap•Boston, MA

37d•$90,000 - $110,000

About The Position

Here at Hometap, we’re collaborative, passionate, and always ready to roll up our sleeves to create solutions that help people get more out of homeownership — and out of life. Our first product, a home equity investment, gives homeowners the opportunity to quickly access the equity they’ve built in their home to pay for what’s most important to them, from handling debt to finally making much-needed renovations, without taking on debt. We work hard, and have some fun along the way, too. You don’t have to take our word for it: The Boston Globe and Forbes have recognized us as a great place to work, and we’ve been honored for our commitment to innovation in the fintech space by Inc., HousingWire, and more! In case you need any more convincing, we also provide competitive compensation, healthcare coverage, generous PTO, a meaningful equity package, and a strong culture with plenty of opportunities for team-building and camaraderie. Interested in joining us on our mission to make homeownership less stressful and more accessible? We’d love to talk. We're looking for a Compliance Analyst to join our growing team at Hometap. You'll review materials and run periodic tests to make sure we're meeting federal, state, and internal requirements, and that our products and processes stay on the right side of regulations. You'll also partner with teams across the company and help shape how we approach compliance as we grow. This role is a great fit if you're collaborative, solutions-oriented, and genuinely enjoy finding smart, efficient ways to keep things compliant. You're comfortable working in a regulatory environment, especially one involving new and evolving financial products, and you bring a customer-service mindset to everything you do.

Requirements

3+ years of compliance experience in a financial institution, ideally with fintech or complaint management background
Experience conducting first or second line of defense control testing
Working knowledge of consumer lending or mortgage regulations, particularly UDAAP, Interagency Guidance on TPRM, Regulation Z (TILA), Regulation V (FCRA), and Regulation B (ECOA)
Ability to build strong working relationships and partner effectively across all levels of the organization
Strong analytical and conceptual thinking skills, with the ability to interpret regulations and turn them into actionable steps
Comfortable working independently in a fast-changing environment as the business and regulatory landscape evolves
Customer-service mindset with experience collaborating across teams
High personal and professional integrity
Commitment to diversity and respect for others
Bachelor's degree or equivalent experience

Nice To Haves

Familiarity with real estate, lending, mortgage, and related industries
Experience working with GRC tools and other compliance tools
Certified Regulatory Compliance Manager Certification (CRCM) or other related compliance industry certifications

Responsibilities

Conduct compliance monitoring and testing on Hometap's Home Equity Investment (HEI) product and processes to ensure we meet regulatory requirements and internal policies
Summarize monitoring and testing results for management, including trend analysis and remediation tracking
Help manage consumer complaints by performing root cause analysis, recommending process improvements, tracking remediation, and ensuring responses meet regulatory deadlines and quality standards
Monitor risk indicators like QC results, compliance testing, and complaint data to identify potential control gaps and support remediation efforts
Partner with business teams to advise on new product offerings and features, ensuring compliance with current and proposed regulations
Participate in risk assessments, including control testing and remediation validation
Review marketing materials and homeowner-facing scripts for compliance with applicable regulations, including UDAAP
Stay current on federal, state, and local regulations relevant to home equity investments, such as Regulation Z (TILA), Regulation V (FCRA), Regulation B (ECOA), UDAAP, the Fair Housing Act, and Interagency Guidance on TPRM
Develop and deliver compliance training and communications for employees as needed
Keep up with the broader regulatory environment, industry standards, and best practices for financial institutions