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Salary: USD 130,000 - 170,000 / annual
Trovy is building a financial platform for homeowners to manage their homes and access low-rate credit products backed by home equity. The company is backed by top-tier venture capital and led by fintech innovators.
You will own and operate Trovy's compliance function as a seasoned compliance professional, reporting directly to the Chief Operating & Legal Officer. This is a high-ownership, cross-functional role embedded across product, operations, marketing, and leadership teams, helping the company move fast while managing regulatory risk across lending and card businesses with a multi-state regulatory footprint.
Key responsibilities include:
- Manage Trovy's compliance management system, including policies, procedures, controls, and regulatory risk frameworks for lending and card programs
- Serve as subject matter expert on federal consumer financial law (TILA/Regulation Z, RESPA, ECOA/Regulation B, FCRA, HMDA, HOEPA)
- Counsel product and engineering teams on compliance requirements for new features
- Own mortgage servicing compliance, including customer complaints, escalations, and non-standard servicing situations
- Advise marketing on advertising, email, SMS, and digital content under UDAAP, TCPA, and truth-in-lending standards
- Track federal and state regulatory developments and advise leadership
- Manage NMLS licensing across state footprint, including applications, renewals, amendments, and MU filings
- Prepare and submit HMDA and other regulatory call reports; maintain reporting calendars and controls
- Support compliance reporting to loan investors and bank partners, including certifications and covenant compliance
- Own third-party risk management program, conducting vendor due diligence and ongoing monitoring
- Advise on privacy and data security obligations in consumer financial services context
REQUIREMENTS:
- 6+ years of compliance experience in consumer financial services (mortgage lending, open-end credit, or card programs)
- Deep knowledge of TILA/Regulation Z (including HELOC-specific rules), RESPA, ECOA, FCRA, and HOEPA
- Hands-on mortgage origination and servicing compliance experience required, including servicing workflows, complaint handling, and loss mitigation
- Direct experience with NMLS multi-state license management, MU filings, call reporting, and regulatory exam support
- Familiarity with investor and bank partner compliance reporting, including certifications, audit support, and diligence
- Experience managing a vendor risk management program, including third-party due diligence and ongoing monitoring
- Fintech, neobank, or mortgage lender experience strongly preferred
- Able to work independently and translate regulatory complexity into clear, actionable guidance
