Senior Compliance Systems & Testing Specialist

Inspire Home Loans

7d•Remote

About The Position

Inspire Home Loans is seeking an experienced Senior Compliance Systems & Testing Specialist to support mortgage compliance operations, regulatory change management, compliance reviews, training, and the implementation, testing, and ongoing maintenance of the company's Loan Origination System (LOS). This role serves as a key compliance resource for system development and operational support, ensuring regulatory requirements are accurately incorporated into workflows, disclosures, fee configurations, business rules, alerts, hard stops, automation, procedures, and training materials. The ideal candidate has strong mortgage regulatory knowledge, excellent written and verbal communication skills, and strong technical writing ability, translating complex compliance requirements into practical procedures, test scripts, training materials, job aids, rebuttals, and system specifications. This individual will work closely with Compliance, Operations, IT, Product Owners, Secondary, QC/Internal Audit, and LOS vendors throughout implementation, monitoring, and future enhancements.

Requirements

Strong working knowledge of the mortgage loan lifecycle and federal and state mortgage lending laws, including TILA/Reg Z, RESPA, ECOA, TRID, HMDA, Fair Lending, Privacy, AML/BSA, SAFE Act, and state mortgage lending requirements
Experience performing compliance testing, audits, quality control reviews, risk analysis, or targeted compliance reviews
Experience handling or supporting state, federal, investor, or internal examinations and management responses
Exceptional written communication, technical writing, verbal communication, and organizational skills
Ability to communicate regulatory requirements clearly to technical and non-technical audiences
Experience developing policies, procedures, job aids, training materials, test scripts, issue logs, and management updates
Proficiency with Microsoft Office products, especially Excel; ability to work effectively with compliance management systems and loan origination systems
Strong attention to detail, critical thinking, project management, issue management, and cross-functional collaboration skills
5+ years of mortgage lending experience in Compliance, Quality Control, Operations, Underwriting, Closing, Secondary Marketing, LOS administration, or a related mortgage function

Nice To Haves

Encompass, Vesta, or similar LOS administration/configuration experience preferred
Experience participating in LOS implementations, conversions, or major system upgrades, including User Acceptance Testing (UAT), preferred
Knowledge of HMDA, NMLS licensing, privacy requirements, compliance monitoring systems, and automated regulatory tools preferred
Working AML knowledge, including support for SAR-related processes, preferred
Mortgage Compliance Certified Professional (CMCP) designation, or equivalent, preferred

Responsibilities

Serve as a primary Compliance representative for LOS implementation projects, conversions, major system upgrades, and future enhancements
Review and validate system configurations for compliance with federal and state mortgage regulations, investor requirements, and company policies and procedures
Develop and execute compliance-focused test scripts and User Acceptance Testing (UAT) for disclosures, fee calculations, compliance alerts, business rules, workflows, document generation, and automated processes
Identify, document, track, and validate remediation of system defects, process issues, and compliance-related concerns
Apply standard diagnostic techniques to investigate end-user reported issues involving technology platforms, including POS and LOS functionality
Participate in design sessions and provide regulatory guidance on system enhancements, configuration decisions, controls, and automation
Monitor regulatory changes and requirements, including federal and state disclosure and document requirements
Interpret and apply mortgage lending regulations, including TRID, RESPA, TILA/Reg Z, ECOA, HMDA, Fair Lending, HPML, Privacy, AML/BSA, SAFE Act, NMLS licensing, and applicable state requirements
Support mortgage operations, Secondary, and business partners by responding to compliance questions, identifying training needs, and assisting with investor compliance concerns
Maintain a library of applicable federal and state laws and regulations and provide periodic regulatory updates to management
Assist with development and compliance review of new loan programs, consumer financial products or services, distribution channels, or strategies, including consideration of fair lending compliance risk
Provide regulatory research and practical recommendations to support business decisions and process improvements
Conduct routine and targeted internal compliance reviews focused on state and federal requirements, investor concerns, QC/internal audit findings, and Inspire policies and procedures
Assist with state, federal, investor, and internal regulatory examinations, including preparation of rebuttals, management responses, and supporting documentation
Report and discuss QC, internal audit, and compliance review findings with senior management as appropriate
Identify process-related issues, partner with the business to resolve or remediate concerns, and validate corrective action effectiveness
Support compliance risk assessments related to system changes, new functionality, process changes, and operational controls
Develop and maintain job aids, standard operating procedures, workflows, compliance documentation, system specifications, testing evidence, issue logs, approvals, and implementation decisions
Draft and update policies and procedures impacted by system implementation, regulatory changes, process changes, or audit findings
Create training materials, presentations, reference guides, and communications for loan officers, processing, underwriting, closing, disclosure desk, QC, and operational staff
Deliver or support training sessions and targeted communications to reinforce compliance requirements and system/process changes
Participate in regulatory change management, evaluate system impacts, assist in prioritizing compliance-related enhancements, and support post-implementation monitoring and continuous improvement