Home Lending Lead Compliance Analyst

Wealthfront•Austin, TX

About The Position

Wealthfront is seeking a compliance professional to join its newly formed Home Lending Compliance team and help build the regulatory framework for a technology-enabled mortgage process. The role partners directly with the Head of Home Lending Compliance to manage day-to-day regulatory requirements, improve compliance workflows, take ownership of the licensing program, and support expansion into additional states. It works cross-functionally with Home Lending Operations, Legal, and corporate Compliance.

Requirements

BA/BS degree.
At least 5 years of direct residential mortgage compliance experience, including experience in quality control or licensing.
Experience independently using the Nationwide Multistate Licensing System (NMLS).
Willingness to obtain applicable registrations and/or licenses as necessary.
Practical understanding of mortgage compliance regulations, including RESPA, TILA, TRID, ECOA, HMDA, and MAP, and GSE underwriting guidelines.
Working knowledge of state-specific licensing and registration requirements and NMLS.
Strong organizational and analytical skills, including the ability to identify process gaps, interpret state-level legislation, and implement effective solutions.
Ability to conduct file reviews and analyze reports independently and manage competing priorities with minimal guidance.
Strong verbal and written communication skills, including the ability to explain complex regulatory requirements to operations and sales teams.
Customer-focused, business-centric, and team-oriented mindset; intellectual curiosity and interest in using technology to improve business processes.

Nice To Haves

Experience supporting compliance programs in fintech, digital-first lending, or highly automated mortgage environments.
Familiarity with modern Loan Origination Systems (LOS).
Experience collaborating with engineering or product teams to automate compliance controls and communicate regulatory requirements.
Active FHA Direct Endorsement (DE) underwriter designation.
Experience writing business requirements or compliance rules for engineering teams to implement in internal systems.

Responsibilities

Conduct independent pre-funding and post-closing quality control reviews of Agency and Non-Agency mortgage loan files for compliance with investor standards and federal and state regulations, identifying patterns that could improve automated system logic.
Own and manage state company, branch, and individual Mortgage Loan Originator licensing through NMLS, including renewals, Continuing Education and Pre-Licensing tracking, state reporting, and licensing inquiries.
Support state expansion by researching state-specific origination guidelines, monitoring regulatory changes, and preparing operations for product launches in new states.
Review and approve home lending marketing, advertising, and social media materials for compliance with federal and state rules, including TILA (Reg Z) and MAP (Reg N).
Work with Compliance Operations and Home Lending Operations to investigate and resolve consumer complaints and help administer home lending compliance training.
Prepare, quality-assure, and submit annual regulatory reports; support fair lending monitoring of underwriting, pricing, and geographic distribution.
Support preparation for and responses to state and federal regulatory examinations, regulatory audits, and investor audits.
Draft, maintain, and modernize standard operating procedures and departmental policies with the Head of Home Lending Compliance, prioritizing efficiency and reduced manual work.
Serve as a compliance subject matter expert and escalation point for Home Lending Operations, providing guidance and leading targeted training sessions.