Role Overview
Loan Factory is seeking a Chief Compliance & Risk Officer (CCRO) to lead enterprise-wide compliance and risk management for a fast-growing, AI-powered mortgage platform. This executive role oversees regulatory compliance, quality control, and risk strategy across origination, underwriting, and secondary markets.
Key Responsibilities
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Lead and scale the company’s Compliance Management System (CMS)
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Ensure compliance with U.S. mortgage regulations (TRID, RESPA, TILA, ECOA, HMDA) and agency guidelines (Fannie Mae, Freddie Mac, FHA/VA)
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Build and manage Enterprise Risk Management (ERM) framework (operational, regulatory, credit, liquidity risk)
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Oversee QC programs, audit readiness, and repurchase risk mitigation
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Manage NMLS licensing, regulatory filings, and exams
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Partner with Capital Markets on secondary compliance and investor requirements
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Establish governance for AI, data, and compliance automation
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Advise executive leadership on risk, compliance, and growth strategy
Qualifications
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10–15+ years in mortgage compliance & risk (required)
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Proven leadership as Head of Compliance / CCO / Risk leader
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Deep knowledge of U.S. mortgage regulations and secondary markets
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Experience managing audits, regulators, and multi-state compliance
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Fintech or high-growth environment experience preferred
Compensation & Benefits
Base Salary: $120,000 – $150,000 per year
Benefits
Medical, dental, and vision insurance
401(k) plan
Paid time off and company holidays
RSU options