Rosegate · 1 month ago
Director of Mortgage Originations Compliance
Charlotte, NC
Full-time
Onsite
Mid, Senior Level
5+ years expRosegate is a dynamic mortgage originator and master servicer focused on building a customer-centric mortgage platform. The Director of Mortgage Originations Compliance is responsible for ensuring adherence to laws and regulations in loan origination activities, developing compliance programs, and supporting origination teams with compliance guidance.
ConsultingFinancial ServicesInformation Services
Responsibilities
Monitor, interpret, and communicate changes to federal and state laws and regulations impacting residential mortgage origination, including but not limited to the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), the TILA-RESPA Integrated Disclosure (TRID) Rule, Home Mortgage Disclosure Act (HMDA), Equal Credit Opportunity Act (ECOA), the SAFE Act, and fair lending laws
Assist in the development and maintenance of robust compliance policies, procedures, and internal controls to ensure ongoing adherence to all regulatory requirements
Monitor and administer the BSA/AML program and suspicious activity reporting
Monitor and administer MLO licensing
Conduct regular compliance audits and quality assurance reviews of loan files and processes from application to closing to identify potential violations or discrepancies
Review and approve all scripting and borrower interactions, and perform periodic call recording reviews
Review borrower complaints and monitor external review sources (e.g., BBB, CFPB, etc.)
Review and approve marketing materials and social media posts
Review document templates to ensure compliance with all applicable federal and state laws and regulations
Provide timely day-to-day compliance guidance and support to loan officers, processors, and underwriters, translating complex legal requirements into actionable business processes
Assist in the design and delivery of targeted compliance training programs to staff to ensure a consistent understanding and application of regulatory requirements and foster a strong culture of compliance
Investigate and resolve identified compliance issues, implementing corrective actions and ensuring proper documentation of all efforts
Coordinate and assist with internal and external audits and regulatory examinations, serving as a primary point of contact for inquiries and requests
Oversee NMLS administration
Participate in projects to develop and implement new mortgage products, services, or processes to provide relevant input to ensure regulatory compliance
Qualification
Required
Minimum of 5+ years of direct experience in mortgage compliance or origination operations within the residential lending industry
Demonstrated experience with loan origination systems (e.g., Encompass, Ellie Mae) and compliance monitoring tools is highly desired
Deep understanding of the full residential mortgage loan origination lifecycle
In-depth, working knowledge of relevant federal and state mortgage regulations (TILA, RESPA, TRID, HMDA, ECOA, SAFE Act, ATR/QM rules, etc.)
Experience with and knowledge of Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines
Exceptional analytical and problem-solving abilities, with meticulous attention to detail
Strong written and verbal communication skills, with the ability to explain complex information clearly to diverse audiences
Excellent organizational and time management skills, capable of managing multiple priorities and meeting deadlines
Preferred
Previous in-house experience working directly for a residential mortgage loan originator is strongly preferred, as requested
A legal background or a Juris Doctor (J.D.) degree
Relevant compliance certifications, such as a Certified Regulatory Compliance Manager (CRCM) or similar accreditation
Experience with and knowledge of AML/BSA program requirements a plus
Benefits
Competitive salary
Health, dental, and vision insurance
Company-paid short-term disability & life insurance
401(k) plan with company match
Paid time off and holidays
Professional development opportunities
Company
Rosegate
At Rosegate, you work with a Loan Pro, not a company. With a new home comes new questions.
11-50 employees
Funding
Current Stage
Early StageTotal Funding
unknown2025-11-14Acquired
Leadership Team
Brad Bradley
Co-Founder & Chairman
Alyssa Wolfe
Loan Partner
Recent News
2025-11-15
HousingWire.com
2025-11-15
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