Enterprise Compliance Officer

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This role will mature our Compliance Management System (CMS), drive policy development and governance, and provide hands‑on legal and regulatory support across the mortgage lifecycle. The ideal candidate combines deep mortgage regulatory expertise with the operational acumen to build practical controls, testing programs, and metrics that withstand regulator, investor, and auditor scrutiny. Provide support for all components of the Flat Branch Compliance Management System to maintain compliance with applicable laws and regulations.

This is a fully remote position. We are looking to fill this position in one of the following states that we have offices in: AR, FL, IA, KS, MI, MO, NE, OK, TN, TX.

• Own the policy framework: draft, revise, and harmonize enterprise Compliance Policies, Standards, and Procedures for origination and servicing; maintain version control and evidence of stakeholder approvals.
• Develop training content, role‑based learning plans, and tracking mechanisms.
• Convert complex rules into concise, actionable guidance.
• Enhance the CMS around the pillars of Board/Management Oversight, Compliance Program, Consumer Complaint Response, and Independent/Internal Compliance Audit/Testing through the maintenance of control libraries, regulatory inventories, issue management, and corrective action tracking.
• Embed controls into procedures and system workflows; partner with Operations and IT to implement and where possible, automate preventive, detective, and corrective controls.
• Assist business areas in performing root‑cause analysis and oversee remediation where applicable.
• Advise on change management for new products, channels, servicing strategies, and system implementations.
• Ensure governance routines (committees, dashboards, reporting) operate consistently.
• Draft and review compliance‑related contract provisions, vendor agreements, service‑level standards, and consumer‑facing forms and disclosures.
• Prepare board and executive reports on compliance risk posture, trends, testing results, issues, and remediation.
• Champion a culture of compliance focused on consumer protection, fairness, data integrity, and operational excellence.
• Prioritize based on consumer and business impact.
• Partner effectively with Sales, Servicing, Ops, and Admin Teams.

• Must have a practical, current command of mortgage laws and investor/GSE/agency guidelines.
• 8–12+ years of progressive compliance experience in mortgage origination and servicing within a lender, servicer, bank, non‑bank mortgage company, or consultancy.
• Proven experience building or maturing a CMS, including risk assessments, testing programs, issue management, and executive reporting.
• Strong policy writing skills with the ability to craft clear, implementable policies/procedures and align them with system controls.
• Excellent communication, stakeholder management, and presentation skills; comfortable engaging regulators, executives, and auditors.

• Executive

• Full‑time

• Legal

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