Home Lending Lead Compliance Analyst

Wealthfront•San Antonio, TX

48d•$125,000 - $144,425

About The Position

Wealthfront is hiring a detail-oriented compliance professional to join its newly formed Home Lending Compliance team and help build the regulatory framework for a technology-enabled mortgage process. The analyst will partner with the Head of Home Lending Compliance to manage day-to-day regulatory requirements, improve compliance workflows, and take ownership of the licensing program as the company expands into new states. The role works cross-functionally with Home Lending Operations, Legal, and corporate Compliance. The position combines independent mortgage file quality-control reviews, licensing administration, regulatory research, marketing review, complaint handling, reporting, fair lending support, audit and examination readiness, and the development of policies and procedures. The analyst will also serve as a compliance subject matter expert for Home Lending Operations, translating regulatory requirements into practical guidance and training.

Requirements

BA/BS degree.
At least 5 years of direct residential mortgage compliance experience, including experience in Quality Control (QC) 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.
Strong working knowledge of state-specific licensing and registration requirements and the NMLS.
Strong organizational and analytical skills, including the ability to identify process gaps, interpret state-level legislation, and implement effective solutions in a fast-paced environment.
Ability to independently conduct file reviews, analyze reports, 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, with intellectual curiosity and interest in applying technology to improve business processes.

Nice To Haves

Experience supporting compliance programs in a fintech, digital-first lending, or highly automated mortgage environment.
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 investor quality standards and federal and state regulatory compliance; identify patterns that can improve automated system logic.
Own the end-to-end NMLS licensing program for state company and branch licenses and individual Mortgage Loan Originator licenses, 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 ensuring operational readiness for product launches in new states.
Review and approve home lending marketing materials, advertising, and social media content for compliance with federal and state requirements, including TILA (Reg Z) and MAP (Reg N).
Partner with corporate Compliance Operations and Home Lending Operations to investigate and resolve consumer complaints and administer home lending-specific compliance training.
Prepare, quality-check, and submit the company's annual regulatory reporting, and support fair lending monitoring related to underwriting, pricing, and geographic distribution.
Assist the Head of Home Lending Compliance with preparation for and responses to state and federal regulatory examinations, audits, and investor audits.
Draft, maintain, and modernize standard operating procedures and departmental policies, prioritizing efficiency and reduced manual effort.
Provide compliance guidance to Home Lending Operations as a subject matter expert and escalation point, and lead targeted compliance training sessions.