Compliance Manager

Multiply•San Francisco, CA

2d•$65,000 - $160,000•Hybrid

About The Position

Multiply Mortgage is an AI-native mortgage company. We pair experienced, local mortgage advisors on our team with groundbreaking technology to deliver a better customer experience. Through our company partnerships channel, we partner directly with companies to offer mortgages as an employee benefit — with exceptional rates, concierge service, and modern software. Our team previously built consumer tech products at Uber, Square, DoorDash, and Google and we are bringing the customer experience we love from these products to mortgage origination. We’re committed to building technology that enhances, rather than replaces, experienced mortgage loan originators. A mortgage is the largest financial transaction of most Americans’ lives—they deserve an expert advisor to guide them through the process, and technology that makes the experience smoother. Multiply Mortgage is backed by Kleiner Perkins and A, as well as founders and executives from Ramp, Plaid, Figma, DoorDash, Notion, Instacart, Faire, Flexport, Niantic, Rippling, Iterable, Lattice, Newfront, and more. This is an ideal opportunity for a compliance leader who excels in regulatory interpretation, risk assessment, program execution, and team leadership within a mortgage banking environment. The Mortgage Compliance Manager will oversee the Compliance Management System (CMS), lead regulatory change management efforts, manage licensing and NMLS activity, and serve as a trusted advisor across mortgage operations.

Requirements

5+ years of regulatory compliance experience in the mortgage broker and/or mortgage lender industry (required)
Working knowledge of the NMLS and mortgage licensing requirements (required)
Strong understanding of consumer financial protection regulations
Ability to communicate regulatory expectations clearly and confidently
Strong analytical, organizational, and project management skills
Proficiency with Microsoft Office applications

Nice To Haves

Experience with mortgage compliance, regulatory change management, QA, or operational compliance ( preferred )

Responsibilities

Oversee CMS processes for monitoring, training, regulatory updates, and policy adherence
Lead compliance staff and supervise daily assignment workflows
Provide clear regulatory interpretation, guidance, and updates to business partners
Develop and support compliance training content and delivery
Track and interpret changes to federal and state laws, regulations, agency guidance, and investor/secondary market requirements
Lead impact assessments, solution design, and implementation reviews
Validate post-implementation success and compliance alignment
Oversee escalation research, root-cause analysis, and timely resolution
Prepare reporting for committees and senior leadership
Maintain and manage: Company, branch, and MLO licenses across applicable jurisdictions NMLS filings and updates including MU1, MU2, MU3, MU4, and MU10
Coordinate and manage Annual renewals and ongoing state-specific requirements New state licensing applications and expansions Branch openings/closures and location changes Control person updates and ownership/organizational changes ACNs (Advance Change Notices) and state notifications Coordination with internal stakeholders for required documentation and attestations
Support internal and external audits, regulatory exams, and reviews
Coordinate documentation, responses, follow-up items, and remediation
Maintain the Compliance Help Desk and respond to inquiries
Review and approve marketing materials
Support mortgage servicing, origination, and deposit operations with compliance expertise
Mentor, coach, and develop compliance analysts/specialists
Represent Compliance on internal project teams and cross-functional initiatives