wealthfront - Home Lending Lead Compliance Analyst

• Conduct independent pre-funding and post-closing Quality Control (QC) reviews on mortgage loan files (including Agency and Non-Agency) to ensure compliance with investor quality standards and federal/state regulations, actively identifying patterns to improve automated system logic. • Own and manage the end-to-end licensing program for state company and branch licenses and individual Mortgage Loan Originator (MLO) licenses through the NMLS, taking full responsibility for timely renewals, Continuing Education (CE) and Pre-Licensing (PE) tracking, state reporting and acting as the primary compliance contact for licensing inquiries. • Partner with the Head of Home Lending Compliance to drive state expansion efforts, researching state-specific origination guidelines, monitoring local regulatory changes and ensuring operational compliance readiness as we roll the product in new states. • Review and approve home lending marketing materials, advertising, and social media content to ensure strict adherence to federal and state regulations, including TILA (Reg Z) and MAP (Reg N). • Partner with the corporate Compliance Operations and Home Lending Operations teams to investigate and disposition consumer complaints, and assist in administering home lending-specific compliance training. • Manage the preparation, quality assurance, and submission of the company's annual regulatory reporting, and support fair lending monitoring activities related to underwriting, pricing, and geographic distribution. • Support the Head of Home Lending Compliance in preparing for and responding to, state and federal regulatory examinations and audits, and investor audits. • Collaborate with the Head of Home Lending Compliance to draft, maintain, and modernize standard operating procedures (SOPs) and departmental policies, prioritizing efficiency and reduced manual toil. • Act as a subject matter expert and compliance escalation point for the Home Lending Operations team, providing regular guidance and leading targeted compliance training sessions. • Customer-focused, business-centric, and team-oriented mindset; relentlessly passionate about finding and completing valuable work. • Deep, practical understanding of mortgage compliance regulations (RESPA, TILA, TRID, ECOA, HMDA, MAP) and GSE underwriting guidelines. • Excelled organizational and analytical skills with a demonstrated ability to identify process gaps, interpret state-level legislation and implement creative, effective solutions in a fast-paced environment. • Strong working knowledge of state-specific licensing, registration requirements, and the NMLS. • Intellectually curious and interested in applying technology to enhance business processes; a systems builder who understands the "why" behind every regulatory step. • Adept at independently conducting file reviews, analyzing reports, and managing competing priorities with minimal guidance. • Excellent organizational and analytical skills, with a demonstrated ability to identify process gaps and implement creative, effective solutions in a fast-paced environment. • Strong verbal and written communication skills, with the ability to translate complex regulatory requirements for operations and sales teams.