Compliance Manager, Mortgage

Opendoor • San Francisco, CA

90d • Onsite

About The Position

Opendoor is establishing a new mortgage lending business and is hiring a Compliance Manager to build and manage regulatory compliance infrastructure for its multi-state mortgage operation. The role owns regulatory compliance and the Compliance Management System (CMS), and works with the Legal team, mortgage operations, licensing, and business leadership to meet regulatory requirements while supporting a technology-forward lending platform. The position calls for strong regulatory judgment in a fast-moving, evolving environment.

The role covers CMS administration, multi-state NMLS licensing, regulatory filings, loan-level compliance guidance, examination management, regulatory change implementation, and BSA/AML program requirements. It also supports title and escrow compliance as the business scales; training and support will be provided, and prior title or escrow experience is not required.

The role is based in one of Opendoor’s talent hubs and follows an in-office culture. Team members are welcomed in the office five days a week, with attendance required Monday, Tuesday, Thursday, and Friday.

Requirements

• Mortgage compliance experience at a non-bank lender, mortgage company, or state or federal regulatory agency.
• Expert-level knowledge of multi-state NMLS licensing for entities and individuals, including applications, renewals, amendments, and surety bond management.
• Hands-on experience preparing and submitting HMDA LAR filings, NMLS Mortgage Call Reports, and state-specific regulatory reports.
• Strong understanding of the end-to-end mortgage origination process.
• Demonstrated ability to manage a Compliance Management System (CMS), including policy maintenance, training programs, and complaint management.
• Track record of managing state and federal (CFPB) regulatory examinations from preparation through remediation.
• Working knowledge of BSA/AML compliance program requirements, including SAR and CTR filing obligations.
• Experience resolving loan-level compliance issues in a high-volume origination environment.
• Comfort using AI tools and modern technology to support and enhance compliance workflows, and willingness to operate in a tech-forward, non-traditional mortgage environment.
• Strong communication skills, including the ability to explain regulatory requirements clearly to business stakeholders and find workable solutions within compliance guardrails.
• Bachelor’s degree in business, law, or a related field.

Nice To Haves

• Experience at a nationwide non-bank lender licensed in 30+ states.
• Familiarity with title and escrow compliance and licensing requirements.
• Experience identifying, tracking, and implementing regulatory changes across multiple jurisdictions.
• Prior experience standing up or significantly building out a compliance function at a mortgage company.
• Experience working in a startup, high-growth, or technology-driven lending environment.

Responsibilities

• Own and administer the mortgage operation’s Compliance Management System (CMS), including policy development, training programs, and complaint management.
• Manage multi-state NMLS licensing for the entity and individual loan originators, including applications, amendments, renewals, and surety bonds across 47+ states.
• Prepare and submit regulatory filings, including HMDA LAR submissions, NMLS Mortgage Call Reports (MCR), and state-specific periodic reports.
• Resolve day-to-day loan-level compliance issues in a fast-paced origination environment and provide clear, actionable guidance to operations.
• Lead preparation for and manage regulatory examinations, from gathering documents through remediation of findings.
• Track and implement regulatory changes affecting mortgage origination operations.
• Manage BSA/AML compliance program requirements, including SAR and CTR filing obligations, and serve as AML Compliance Officer.
• Support compliance needs related to title and escrow operations as the business scales.
• Partner with legal, operations, and technology teams to develop compliant solutions that enable the business to move quickly within regulatory guardrails.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager