HEAD OF COMPLIANCE Mortgage Banking | Remote | Full-Time Confidential Search Presented by Ciprani Consulting Salary Range: $115,000 – $145,000 | Performance-Based Bonus | Paid Time Off THE OPPORTUNITY Are you a compliance leader who can hold two things at once — the discipline to get into the weeds of a loan file when it matters, and the strategic mindset to build the systems, policies, and controls that protect a scaling mortgage business with authority? We are conducting a confidential search for a Head of Compliance at a privately held mortgage banking company with nearly two decades in business, $1.6 billion in annual funding, and a trajectory toward $2 billion this year. The company operates both retail and wholesale lending channels and has experienced significant growth over the past three years under current leadership. This is an established, financially active operation — not a startup. The Head of Compliance reports directly to the CEO and holds accountability to the Board of Directors for key compliance findings. Compliance is taken seriously at the executive level here, and this role reflects that. This is not a pure strategy role. And it is not a pure execution role. It is both, and that is exactly what makes it the right fit for the right person. WHAT MAKES THIS ROLE DIFFERENT The company has a long-standing relationship with MQMR, a leading mortgage compliance advisory firm, providing access to retained legal counsel, regulatory intelligence, policy and procedure templates, and in-depth guidance on regulatory interpretation. You will not be expected to be the company’s sole source of regulatory knowledge. You will be expected to leverage that relationship effectively, translate it into operational reality inside the company, and build the infrastructure that turns compliance guidance into an enforceable, scalable process. Licensing also reports through this role, adding meaningful organizational scope and a direct line of accountability for one of the most operationally critical functions in the business. Compensation and Benefits: • Salary Range : $115,000 – $145,000 • Full benefits package (Medical, Dental, Vision) • Paid Time Off • 401(k) Responsibilities: WHAT YOU WILL OWN Compliance Program Design & Infrastructure • Build and maintain the company’s compliance program end-to-end — policies, procedures, internal controls, and hard stops that allow the business to move quickly without opening unmanaged risk • Partner with operations and leadership to evaluate new products, channels, pricing structures, and technology for compliance exposure before implementation • Establish documented processes for compliance exceptions, approvals, and escalations so that business decisions are made with clear guardrails • Serve as the primary compliance advisor to the CEO and Board of Directors, including reporting on significant findings and regulatory trends Day-to-Day Compliance Oversight • Own the company’s compliance engine (ComplianceEase); manage findings, resolve QM points and fees failures, and oversee QM testing • Review and approve loan-level exceptions, fee waivers, and disclosure issues in real time • Serve as the day-to-day compliance resource for operations, sales, and all business units — answering questions, resolving issues, and keeping production moving within policy • Monitor consumer complaints for Fair Lending and UDAAP exposure; identify trends and implement corrective actions Regulatory Compliance & Licensing • Develop, implement, and maintain policies ensuring adherence to all applicable federal and state mortgage regulations: TILA, RESPA, ECOA, FCRA, FHA, Fair Lending, UDAAP, and related requirements • Oversee all company and individual loan officer licensing; manage NMLS records, renewals, and continuing education compliance — licensing reports through this role • Serve as designated AML Officer; own the BSA/AML program, including independent audit coordination and follow-up • Serve as HMDA Officer; manage accurate and timely submission of HMDA data, Call Reports, and all required regulatory filings Audit & Regulatory Examination Management • Serve as the primary point of contact for all state and federal regulatory audits and examinations • Manage preparation, document submissions, and post-audit remediation • Partner with MQMR and retained legal counsel to prepare for and respond to regulatory inquiries • Report material findings and trends to the CEO and Board Vendor & Marketing Oversight • Manage the MQMR relationship and other third-party compliance vendors; ensure audit readiness and maximum utilization of available resources • Evaluate third-party vendors (credit, appraisal, technology) for regulatory compliance; maintain due diligence documentation • Review all advertising and marketing materials for Fair Lending and disclosure compliance Training & Culture • Develop and deliver compliance training for staff across operations and sales • Monitor regulatory changes and translate them into actionable policy updates with MQMR support • Build a culture of proactive compliance — where the business understands that doing it right and doing it fast are not in conflict Qualifications: • 5+ years of mortgage compliance experience — this is a specialty role; mortgage-specific regulatory knowledge is required • Proven ability to both execute at the loan level and think structurally about compliance program design • Experience with compliance programs supporting both wholesale and distributed retail lending channels • Deep fluency in AML/BSA, HMDA, Fair Lending, UDAAP, TILA/RESPA, QM, and NMLS licensing requirements • Hands-on experience with ComplianceEase or equivalent compliance software • Experience managing regulatory audits and examinations end-to-end • Strong communicator who can translate regulatory complexity into plain-language guidance for operations and leadership • CRCM or equivalent certification preferred; J.D. not required YOU WILL STAND OUT IF YOU • Have worked at a non-bank mortgage lender or independent mortgage banker (IMB) • Have experience building or rebuilding a compliance program — not just maintaining one • Are you comfortable being the compliance authority in a lean environment where your decisions carry real weight? • Have managed or coordinated licensing for a multi-state lending operation • Understand how TPO/broker relationships in wholesale create distinct compliance exposures relative to retail • Have experience supporting geographically distributed retail branches with varying state licensing and regulatory requirements Compensation: $115,000 – $145,000

• WHAT YOU WILL OWNCompliance Program Design & Infrastructure • Build and maintain the company’s compliance program end-to-end — policies, procedures, internal controls, and hard stops that allow the business to move quickly without opening unmanaged risk • Partner with operations and leadership to evaluate new products, channels, pricing structures, and technology for compliance exposure before implementation • Establish documented processes for compliance exceptions, approvals, and escalations so that business decisions are made with clear guardrails • Serve as the primary compliance advisor to the CEO and Board of Directors, including reporting on significant findings and regulatory trendsDay-to-Day Compliance Oversight • Own the company’s compliance engine (ComplianceEase); manage findings, resolve QM points and fees failures, and oversee QM testing • Review and approve loan-level exceptions, fee waivers, and disclosure issues in real time • Serve as the day-to-day compliance resource for operations, sales, and all business units — answering questions, resolving issues, and keeping production moving within policy • Monitor consumer complaints for Fair Lending and UDAAP exposure; identify trends and implement corrective actionsRegulatory Compliance & Licensing • Develop, implement, and maintain policies ensuring adherence to all applicable federal and state mortgage regulations: TILA, RESPA, ECOA, FCRA, FHA, Fair Lending, UDAAP, and related requirements • Oversee all company and individual loan officer licensing; manage NMLS records, renewals, and continuing education compliance — licensing reports through this role • Serve as designated AML Officer; own the BSA/AML program, including independent audit coordination and follow-up • Serve as HMDA Officer; manage accurate and timely submission of HMDA data, Call Reports, and all required regulatory filingsAudit & Regulatory Examination Management • Serve as the primary point of contact for all state and federal regulatory audits and examinations • Manage preparation, document submissions, and post-audit remediation • Partner with MQMR and retained legal counsel to prepare for and respond to regulatory inquiries • Report material findings and trends to the CEO and BoardVendor & Marketing Oversight • Manage the MQMR relationship and other third-party compliance vendors; ensure audit readiness and maximum utilization of available resources • Evaluate third-party vendors (credit, appraisal, technology) for regulatory compliance; maintain due diligence documentation • Review all advertising and marketing materials for Fair Lending and disclosure complianceTraining & Culture • Develop and deliver compliance training for staff across operations and sales • Monitor regulatory changes and translate them into actionable policy updates with MQMR support • Build a culture of proactive compliance — where the business understands that doing it right and doing it fast are not in conflict