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Wealthfront is expanding its home lending compliance function and seeking an experienced Home Lending Compliance Analyst to support the Head of Home Lending Compliance. This is a hybrid role based in Palo Alto, CA, with flexibility for US-based remote work.
You will own critical compliance responsibilities across multiple domains:
**Quality Control & Loan File Reviews**: Conduct independent pre-funding and post-closing QC reviews on mortgage loan files (Agency and Non-Agency) to ensure compliance with investor quality standards and federal/state regulations. Actively identify patterns to improve automated system logic.
**Licensing Program Management**: 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. Take full responsibility for timely renewals, Continuing Education (CE) and Pre-Licensing (PE) tracking, state reporting, and serve as the primary compliance contact for licensing inquiries.
**State Expansion Support**: Partner with the Head of Home Lending Compliance to drive state expansion efforts. Research state-specific origination guidelines, monitor local regulatory changes, and ensure operational compliance readiness as the product rolls into new states.
**Marketing & Advertising Compliance**: 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).
**Consumer Complaints & Training**: Partner with corporate Compliance Operations and Home Lending Operations teams to investigate and disposition consumer complaints. Assist in administering home lending-specific compliance training.
**Regulatory Reporting & Fair Lending**: Manage preparation, quality assurance, and submission of the company's annual regulatory reporting. Support fair lending monitoring activities related to underwriting, pricing, and geographic distribution.
**Examination & Audit Support**: Support the Head of Home Lending Compliance in preparing for and responding to state and federal regulatory examinations, audits, and investor audits.
**Policy & Process Development**: 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.
**Subject Matter Expertise**: 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.
You will work in a fintech environment focused on automating and modernizing mortgage lending. The role offers the opportunity to influence product and engineering teams on compliance automation and to help scale a digital-first lending platform.
**Requirements:**
- BA/BS degree
- 5+ years of direct experience in residential mortgage compliance, including time in Quality Control (QC) or licensing
- Experience independently utilizing the Nationwide Multistate Licensing System (NMLS)
- Willingness to obtain applicable registrations and/or licenses as necessary
- Deep, practical understanding of mortgage compliance regulations (RESPA, TILA, TRID, ECOA, HMDA, MAP) and GSE underwriting guidelines
- Strong working knowledge of state-specific licensing, registration requirements, and the NMLS
- Excellent organizational and analytical skills with demonstrated ability to identify process gaps and implement solutions in a fast-paced environment
- Strong verbal and written communication skills, with ability to translate complex regulatory requirements for operations and sales teams
- Ability to independently conduct file reviews, analyze reports, and manage competing priorities with minimal guidance
**Preferred Qualifications:**
- Prior experience supporting compliance programs in a fintech, digital-first lending, or highly automated mortgage environment
- Familiarity with modern Loan Origination Systems (LOS)
- Experience collaborating with engineering/product teams to automate compliance controls and convey regulatory requirements
- Active FHA Direct Endorsement (DE) underwriter designation
- Experience writing business requirements or compliance rules for engineering teams to build into internal systems
