Leader, Compliance Testing

loanDepot

13d

About The Position

Responsible for compliance testing with extensive experience in data analysis and artificial intelligence (AI). This role provides advanced data analysis, SQL-driven monitoring, and AI-enabled scripting to identify, quantify, and explain compliance risk across mortgage origination and servicing operations. Designs and executes repeatable analytics, builds test datasets, automates testing/evidence collection, and develops model-ready workflows to strengthen testing coverage and issue detection. Ensures work papers, methodologies, and outputs meet internal governance standards and support regulatory and audit readiness.

Requirements

• Bachelor’s Degree preferred in Analytics, Finance, Economics, Information Systems, Statistics, Computer Science, or a related discipline; and/or a minimum of six (6) + years of progressive experience in data analytics, risk, audit, or compliance testing.
• Experience in the mortgage industry strongly preferred (origination and/or servicing), including familiarity with common systems, data structures, and mortgage lifecycle events.
• Advanced SQL required.
• Experience with scripting/automation (e.g., Python, PowerShell, R, VBA) and building repeatable analytics preferred.
• Experience or strong interest in AI/ML/LLM use cases for compliance, controls testing, and document analytics; familiarity with model governance concepts (validation, bias, explainability, monitoring) preferred.

Responsibilities

• Develops, maintains, and executes SQL-based test queries, data extracts, and analytical routines to support periodic and ad hoc compliance testing (e.g., TRID, RESPA, TILA, ECOA, FCRA, FDCPA, SCRA, UDAAP) across mortgage origination and servicing processes.
• Builds and regularly updates testing datasets from multiple sources (loan origination systems, servicing platforms, imaging repositories, vendor files, reporting layers), ensuring accuracy, lineage, and documented assumptions.
• In partnership with members of the Compliance testing team, translates regulatory requirements and control expectations into data-driven test steps, measurable thresholds, and repeatable analytics that detect anomalies, exceptions, and emerging risk patterns.
• Designs automated scripts (e.g., Python, PowerShell, ACL or similar) to streamline testing workflows, including evidence gathering, reconciliation, sampling, exception flagging, and remediation tracking.
• Partners with Compliance Testing Leader to define testing populations and sampling approaches; supports risk-based scoping and helps validate completeness and accuracy of testing universes.
• Develops dashboards, scorecards, and recurring monitoring reports that provide clear, actionable insights to compliance leadership and business stakeholders; summarizes results in business-ready narratives.
• Evaluates and pilots AI/ML and LLM-based approaches to improve testing efficiency and effectiveness (e.g., document classification, extraction of key disclosure fields, policy/procedure mapping, control evidence validation), while ensuring appropriate governance, explainability, and model risk considerations.
• Continuously expands knowledge of AI‑driven compliance testing methods and applies approved tools and techniques to execute regulatory testing, interpret results, and support examiner‑ready conclusions, ensuring appropriate controls, validation, and human review are maintained.
• Creates and maintains strong documentation (work papers, query logic, data dictionaries, assumptions, limitations, and validation results) to support exam, audit, and internal quality review expectations.
• Analyzes testing data results to identify trends, recurring exceptions, and process weaknesses; recommends areas for enhanced testing coverage and control improvements.
• Supports issue management by helping quantify impact, identify root cause patterns, track remediation evidence, and re-test corrective actions for sustained effectiveness.
• Performs other duties and projects assigned.

Benefits

• Aggressive compensation package based on experience and skill set.
• Inclusive, diverse, and collaborative culture where people from all backgrounds can thrive.
• Work with other passionate, purposeful, and customer-centric people.
• Extensive internal growth and professional development opportunities including tuition reimbursement.
• Comprehensive benefits package including Medical/Dental/Vision.
• Wellness program to support both mental and physical health.
• Generous paid time off for both exempt and non-exempt positions.

What This Job Offers

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