5,001 – 10,000 Employees
FinanceCrossCountry Mortgage, LLC is a U.S. retail mortgage lender serving homebuyers, homeowners, and property investors with financing for home purchases, mortgage refinancing, and home equity access, including HELOCs. Its team supports customers throughout the mortgage process, from exploring loan options to completing the application and closing, with services designed for both first-time buyers and experienced borrowers. As a finance company with a large workforce, CrossCountry Mortgage hires across the functions that support mortgage lending, customer service, and loan operations.
Remote Director of Compliance, Mortgage Lending at CrossCountry Mortgage
Lead post-closing compliance issue management for CrossCountry Mortgage’s distributed lending operations. Oversee regulatory remediation, controls, testing, and executive-level compliance reporting.
Description
- Own the full post-closing suspense process, from intake and assignment through aging, prioritization, escalation, and remediation.
- Review loan files and prepare responses or rebuttals to Compliance PCQC findings.
- Define governance and escalation procedures for aged, overdue, and unresolved post-closing suspense items.
- Assess post-closing suspense patterns to uncover systemic, recurring, or material deficiencies.
- Design and perform recurring diagnostic tests for potential emerging risks.
- Manage compliance issues through identification, remediation, validation, and closure.
- Serve as the lead contact for widespread or systemic issues, coordinating root-cause analysis, remediation, controls, monitoring, and documentation.
- Support corrective actions, control implementation, and post-implementation validation testing.
- Advance continuous improvement through technology adoption, workflow automation, and data analytics.
- Create and maintain a centralized issue-management repository and reporting dashboards.
- Collaborate with Regulatory Change Management on regulatory developments and related remediation.
- Assess remediation effectiveness through post-closure testing and validation.
- Prepare compliance reports for senior and executive leadership.
- Coordinate issue responses and supporting documentation for regulatory examinations, internal audits, investor reviews, and other oversight activities.
- Complete additional responsibilities and special projects as assigned.
Requirements
- Bachelor’s degree in a related field, or an equivalent combination of education and relevant professional experience.
- At least 7 years of experience in a financial institution, preferably within a large or complex organization.
- At least 5 years of risk management or consumer compliance experience focused on mortgage originations.
- Demonstrated experience managing compliance issues, corrective action plans, post-closing deficiencies, root-cause analysis, remediation, and issue validation in mortgage lending.
- Advanced knowledge of mortgage lending and compliance processes.
- Preferred advanced experience with enterprise workflow platforms, including Encompass, Mavent, Jira, and Salesforce.
- Comprehensive knowledge of mortgage loan operations and control frameworks across the origination lifecycle.
- Advanced knowledge of federal and state mortgage lending regulations, including Dodd-Frank, QM/ATR, RESPA, TILA, TRID, ECOA, HMDA, GLBA, Fair Lending, UDAAP, and the SAFE Act.
- Exceptional written and verbal communication abilities.
- Advanced prioritization and time-management skills.
- Ability to meet critical deadlines.
Benefits
- Medical insurance
- Dental insurance
- Vision insurance
- 401(k) plan
- Company-provided short-term disability
- Employee assistance program
- Wellness program
- Competitive compensation plan
- Comprehensive benefits package