Manager, Regulatory Compliance

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program. Position Overview: The Manager, Regulatory Compliance is responsible for overseeing and monitoring CrossCountry Mortgage’s regulatory change management program to ensure compliance to all applicable federal, state, and local regulations. This role involves monitoring regulatory changes, conducting risk assessments, and implementing compliance policies and procedures. The Manager, Regulatory Compliance works closely with applicable business stakeholders to maintain compliance across the organization and drive continuous improvement initiatives to enhance operational efficiency and support business objectives. Job Responsibilities: Continuously monitor new and upcoming regulatory activities impacting CrossCountry Mortgage, including investigations and enforcements, and changes to existing regulations and legislative activity. Assess the impact of regulatory changes and work with appropriate stakeholders to implement necessary adjustments to policies, procedures, and controls. Assist in the development and execution of action plans in response to new regulations and ensure timely adaptation across the organization. Manage CCM’s compliance regulatory change management program, including developing and updating policies and procedures to align with current regulations and agency guidance and documenting updates in the change management platform. Assist in the risk management lifecycle by documenting emerging risks, conducting research, identifying corrective action, and conducting UAT/validation testing. Assist with preparing and presenting detailed compliance reports to executive and senior management teams. Collaborate with internal teams and key stakeholders to ensure cross-departmental alignment of compliance strategies and foster effective business relationships to meet department goals and objectives. Provide guidance and training to employees on regulatory requirements and internal compliance policies. Serve as the point of contact for impacted organizational stakeholders and provide written summaries and communication regarding relevant regulatory and agency updates. Track and document impacted departmental assessments of regulatory change updates and implemented remediations for both regulatory and credit risk change management. Serve as the primary point of contact for internal and external audits and examinations related to regulatory change management. Review and respond to internal and external audit findings, including conducting root cause analysis and validation testing and monitoring, to ensure identified issues are addressed and remediated in a timely manner. Other duties as assigned by senior management, including, but not limited to, special projects. Qualifications and Skills: Bachelor's degree and/or equivalent combination of education/experience. Minimum 5 years’ experience within a financial institution with a minimum of 3 years’ risk management or compliance experience. Experience with regulatory change management and compliance risk assessment. Working knowledge of mortgage lending operations (processing, underwriting, closing, QA). Encompass and Mavent experience, preferred. Experience and/or proficiency with compliance monitoring tools and regulatory tracking systems, JIRA is preferred. Fees compliance experience, a plus. Working knowledge of federal and state mortgage lending regulations, including but not limited to Dodd Frank Wallstreet Reform Act, QM/ATR, RESPA, TILA, ECOA, HMDA, FCRA, GLBA, Fair Lending, UDAAP, and SAFE Act as well as marketing-focused regulations such as TCPA, TSR, and the CAN-SPAM Act. Excellent project management, prioritization, and time management skills. Excellent analytical and problem-solving skills to interpret complex regulations and assess impact to the organization. Excellent communication, management, and leadership skills to effectively collaborate with stakeholders at all levels. Proficient with Microsoft Office Suite (Word, Excel, PowerPoint, and Outlook). This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. Salary Range: Annual Salary: $84,000-$95,000 The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com California residents: Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org. Our growth is creating great opportunities! Our team is expanding, and we want to hire the most talented people we can. Continued success depends on it! So once you've had a chance to explore our current open positions, apply to the ones you feel suit you best and keep track of both your progress in the selection process, and new postings that might interest you! Thanks for your interest in working on our team! Our Work Experience is the combination of everything that's unique about us: our culture, our core values, our company meetings, our commitment to sustainability, our recognition programs, but most importantly, it's our people. Our employees are self-disciplined, hard working, curious, trustworthy, humble, and truthful. They make choices according to what is best for the team, they live for opportunities to collaborate and make a difference, and they make us the #1 Top Workplace in the area.

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