Regulatory Compliance Testing Analyst

loanDepot • Irvine, CA

2d • $66,000 - $90,000 • Hybrid

About The Position

Responsible for supporting the execution and continuous enhancement of the company’s compliance testing program, with a primary focus on mortgage originations and servicing activities. This role will be conducting detailed loan-level testing to assess adherence to applicable federal and state regulatory requirements, internal policies, and control standards. The Analyst performs periodic and ad hoc testing across the full loan lifecycle, including origination, disclosure, and servicing processes, identifying control gaps, compliance risks, and potential consumer impact. Responsibilities include documenting test results, developing clear and actionable findings, and contributing to the preparation of reporting for management and governance forums.

Requirements

• Bachelor’s Degree required, and/or a minimum of four (4) + years’ experience in finance, business or related field.
• Minimum two (2) + years of experience in regulatory compliance testing, audit, or risk within mortgage originations and/or servicing.
• Knowledge of key consumer protection regulations impacting mortgage lending and servicing.
• Proficient with Microsoft Office applications: Word, Excel, PowerPoint, Outlook, and Teams.

Nice To Haves

• Experience in a second line of defense (2LOD) compliance testing or internal audit environment preferred.
• Familiarity with data analysis tools (e.g., SQL) is a plus.

Responsibilities

• Executes risk-based regulatory compliance testing across mortgage originations and servicing activities, ensuring appropriate coverage of high-risk areas and alignment with the enterprise testing strategy.
• Translates complex federal and state regulatory requirements (e.g., TRID, RESPA, TILA, ECOA, FCRA, FDCPA, SCRA, UDAAP) into structured, repeatable test scripts, procedures, and decision frameworks that support consistent and defensible testing outcomes.
• Performs detailed loan-level file reviews and/or data-driven testing to validate control effectiveness, identify compliance gaps, and assess potential consumer impact and regulatory risk across the full loan lifecycle.
• Evaluates and risk-ranks findings by severity, frequency, and root cause, distinguishing isolated issues from systemic control breakdowns and clearly articulating regulatory implications.
• Documents testing methodologies, supporting evidence, and conclusions in a clear, concise, and examiner-ready format that meets internal governance standards and withstands regulatory and audit scrutiny.
• Develops clear, actionable findings and recommendations that drive timely remediation, strengthen internal controls, and enhance overall compliance posture.
• Contributes to the continuous improvement and scalability of the compliance testing program by identifying opportunities for process optimization, automation, and data-driven insights.
• Leverages data, reporting tools, and system inputs to support efficient testing execution, identify anomalies or trends, and improve the depth and accuracy of testing outcomes.
• Maintains ongoing regulatory awareness and exam readiness, ensuring testing practices, documentation, and outputs remain aligned with evolving regulatory expectations and industry standards.

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: Mid Level