Brief Description
Kind Lending:
At Kind Lending, our family of diverse and talented Kind Ambassadors is the driving force behind our new approach to the mortgage experience. Our Kind Ambassadors are the heart and soul of the organization and our “People Before Profits” mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. Kind Lending is determined to provide the best service in the industry while also providing homebuyers with a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending’s friendly and professional model puts the “fun” in funding.
Position Summary
We are looking for a principled, and hands-on Chief Compliance and BSA/AML Officer to lead the Company’s compliance and operational risk department and serve as the designated Bank Secrecy Act (BSA) Officer. Reporting to the Chief Legal Officer, this executive owns the design and execution of the company’s Compliance Management System, BSA/AML program, licensing, regulatory reporting, and operational and enterprise risk management programs. This executive will manage and direct a 15+ person staff, supporting all company channels, including wholesale, retail, and affiliate programs, while ensuring compliance and responsible risk management across origination, servicing, and secondary-market operations. This role requires a builder and practical risk leader who can scale sustainable controls as the company grows, effectively navigate regulatory change, translate regulatory risk into practical business guidance, serve as a credible liaison to regulators and key counterparties, and develop a high-performing team while acting with sound judgment, kindness, and integrity.
Location:
Kind Lending Corporate Office in Irvine, CA. This is not a remote position.
Responsibilities
Compliance Oversight and Compliance Management System
- Own and continuously improve the enterprise Compliance Management System, including policies, procedures, risk assessments, testing and monitoring, complaint management, training, issue remediation, and regulatory change management, consistent with market standard CMS expectations for large IMBs.
- Prepare periodic risk assessments and develop risk-based compliance strategies across the first, second, and third lines of defense.
- Oversee and manage operational compliance, new product compliance testing, and technology/disclosure platform configuration in alignment with federal and state mortgage regulatory, consumer protection, and privacy requirements.
- Oversee quarterly, semi-annual, and annual second-line compliance testing based on risk; manage and ensure completion of required internal audits.
- Manage and direct marketing compliance reviews, escalated consumer complaint responses, and complaint-trend reporting to executive management.
- Ensure compliance with applicable federal and state mortgage, consumer protection, privacy, fair lending, BSA/AML, and other regulatory requirements.
- Serve as the compliance representative on cross-departmental committees and advise the business on key initiatives, including technology initiatives projects.
- Serve as the designated BSA Compliance Officer and administer the AML program, including policies, procedures,, training, independent review, suspicious activity monitoring, SAR governance, mortgage-fraud detection, and OFAC controls.
- Maintain a BSA/AML program that withstands multistate examination scrutiny, including appropriate authority, qualifications, and resourcing for the BSA function.
- Serve as primary liaison to federal and state regulators and agencies.
- Lead examination readiness, submissions, responses, corrective-action plans, and timely and effective remediation of findings to minimize penalty and enforcement risk.
- Manage investor and agency relationships, including TPO renewals and approvals, correspondent and broker out onboarding, investor compliance due diligence requests, TPO agency sponsorships (e.g, VA, USDA, FHA, FNMA), timely GSE/agency annual recertifications and lender reviews (e.g., FHA, VA, USDA, GNMA, FNMA, Freddie Mac).
- Assist with investor reporting, diligence, and loan-level remediation.
- Oversee mortgage and business licensing, including NMLS company, branch, and MLO filings, license applications and renewals, changes, surety bonds, SOS reports, and local business licenses.
- Oversee accurate and timely federal and state regulatory reporting, including HMDA, MCR, MBFRF, and state-specific filings.
- Ensure effective and efficient execution of TPO client administration program for third-party originator onboarding and renewals.
- Report to executive leadership and ownership on compliance and BSA/AML risk, examination results, emerging issues, and key metrics.
- Complete annual compliance risk assessments, including risk evaluation, risk ratings, analysis of mitigating controls, and analysis of residual risk.
- Oversee procurement and maintenance of regulatory- and investor-required insurance coverages.
- Partner with the Chief Legal Officer and outside counsel on subpoena responses, regulatory investigations, and escalated legal/compliance matters.
- Perform other functions necessary to manage enterprise compliance and counterparty risk.
- Lead, mentor, and develop the compliance, licensing, client administration, investor relations, and operational risk teams; set performance goals and succession plans; and foster a culture of compliance, collaboration, and accountability.
- Prioritize and resource critical compliance functions under competing demands and operational constraints, building sustainable programs that scale with loan volume.
- Represent the company in industry forums and assist with escalated projects and initiatives.
- Follow all company policies and procedures; act with kindness and integrity; uphold Kind Lending values; meet deadlines; and escalate appropriately to maintain alignment with internal stakeholders.
- Perform other duties and projects as assigned.
Education:
Bachelor’s degree required. Juris Doctor, Master’s degree, or other equivalent advanced degree preferred.
Experience
10-15+ years of progressive compliance, risk, regulatory, or legal experience in mortgage banking or financial services, including senior leadership experience in a Chief Compliance Officer, BSA Officer, Chief Risk Officer, Head of Compliance, or equivalent role. #J-18808-Ljbffr