Compliance Officer I, Reporting

Finance of America • Dallas, TX

1d

About The Position

Responsible for overseeing and supporting the Company’s state and federal regulatory reporting obligations. Ensures the accurate, timely, and compliant preparation and submission of required reports, including but not limited to HMDA (Home Mortgage Disclosure Act) and NMLS Mortgage Call Reports (MCR). Supports regulatory examinations, data governance, reporting controls, and ongoing monitoring of reporting requirements across jurisdictions.

Requirements

• Minimum 3 years of related experience in compliance, risk management, or internal audit within financial services.
• Mortgage industry experience, including monitoring or testing of loan origination, performing servicing, and default servicing operations.
• Knowledge of the mortgage lending process and related legal and regulatory requirements.
• Experience across the full monitoring and testing lifecycle, including test design, execution, issue identification, root cause analysis, and remediation validation.
• Demonstrated ability to draft clear, defensible issue statements and support corrective action efforts.
• Strong understanding of Regulation C (HMDA) requirements.
• Familiarity with NMLS and MCR reporting requirements.
• Experience working within established compliance or risk frameworks.
• Interpersonal, oral, and written communication skills.
• Research, analytical, and problem-solving skills.
• Proficiency in MS Office Suite.

Nice To Haves

• Experience supporting co-sourced, outsourced, or offshore testing environments preferred.
• Experience with issue tracking systems such as Archer preferred.

Responsibilities

• Coordinates preparation, validation, and submission of state and federal regulatory reports, including HMDA Loan Application Register (LAR) and annual submission, NMLS Mortgage Call Reports (MCR) and State-specific periodic reports.
• Maintains reporting calendars and ensure timely submissions across jurisdictions.
• Monitors regulatory changes impacting reporting requirements and implement updates as needed.
• Oversees HMDA data integrity, validation, and reconciliation processes.
• Coordinates cross-functional data collection with Operations, Servicing, Secondary, and IT.
• Reviews edit checks and resolve data discrepancies prior to submission.
• Supports annual HMDA submission and respond to CFPB or state regulator inquiries.
• Maintains documentation evidencing HMDA data governance controls and methodologies.
• Coordinates completion and submission of quarterly and annual MCR filings through NMLS.
• Reconciles financial and loan activity data in partnership with Finance and Accounting.
• Ensures narrative responses and required attestations are completed appropriately.
• Maintains documentation supporting MCR data inputs and assumptions.
• Develops and maintains reporting procedures, data dictionaries, and methodology documentation.
• Establishes and monitors reporting controls to ensure accuracy and completeness.
• Conducts periodic internal reviews of reporting data.
• Identifies and escalates reporting risks, trends, or inconsistencies.
• Supports state and federal examinations related to regulatory reporting.
• Provides requested documentation and explanations regarding HMDA, MCR, and other filings.
• Drafts written responses to regulator inquiries.
• Maintains centralized documentation within governance systems (e.g., Archer).
• Perform other duties as assigned.

Benefits

• health
• dental
• vision
• life insurance
• paid time-off benefits
• flexible spending account
• 401(k) with employer match
• ESPP

What This Job Offers

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