Position Summary Efinity Mortgage is seeking an experienced Internal Audit & Regulatory Oversight Specialist to lead internal audit initiatives and strengthen regulatory readiness across a multi-state mortgage platform. This role provides independent oversight of Quality Control functions, third-party audit vendors, and state examination processes, while advising leadership on emerging regulatory risks and control effectiveness. This position plays a critical role in ensuring the integrity, accuracy, and consistency of compliance-related activities through objective validation and audit practices. Independence & Organizational Structure This role operates independently from day-to-day Compliance and Quality Control execution. While working in close partnership with the Compliance Manager, the Internal Audit & Regulatory Oversight Specialist provides objective review, validation, and oversight of compliance processes to ensure regulatory alignment and operational integrity. Responsibilities: Internal Audit & QC Oversight • Audit internal Quality Control (QC) processes and validate the accuracy and consistency of findings • Identify gaps between QC reviews and audit outcomes, ensuring alignment and accountability • Enhance internal audit frameworks, methodologies, and control structures Third-Party Vendor Oversight • Oversee third-party QC and audit vendors to ensure consistency, accuracy, and compliance • Evaluate vendor performance and maintain accountability for deliverables • Ensure audit standards and expectations are consistently met across external partners Regulatory Exams & State Oversight • Assist in managing state regulatory examinations, audits, and responses • Coordinate documentation, responses, and remediation efforts • Serve as a subject matter expert on state-level mortgage regulations across multiple jurisdictions Risk Identification & Reporting • Identify regulatory, operational, and compliance risks across the organization • Prepare and deliver executive-level reporting with actionable insights • Track defect trends and provide recommendations for continuous improvement Audit Strategy & Continuous Improvement • Strengthen internal controls and audit processes to enhance regulatory readiness • Monitor trends in audit findings, QC results, and regulatory feedback • Partner with leadership to proactively address risks and improve audit outcomes Key Performance Indicators (KPIs) • QC vs. Audit Variance: Maintain less than 5% variance between QC and audit findings • State Exam Results: Achieve zero material findings with timely remediation of any issues • Defect Trends: Demonstrate measurable improvement in defect rates over time • Vendor Audit Accuracy: Ensure high-quality, consistent performance from third-party vendors Qualifications: • 4–7+ years of experience in mortgage compliance, quality control, or internal audit • Strong knowledge of multi-state mortgage regulations and agency guidelines • Proven experience supporting or managing regulatory exams and audit processes • Strong analytical, critical thinking, and reporting skills • Ability to work independently while influencing cross-functional teams Compensation: $65,000 - $75,000 yearly

• Internal Audit & QC Oversight • Audit internal Quality Control (QC) processes and validate the accuracy and consistency of findings • Identify gaps between QC reviews and audit outcomes, ensuring alignment and accountability • Enhance internal audit frameworks, methodologies, and control structuresThird-Party Vendor Oversight • Oversee third-party QC and audit vendors to ensure consistency, accuracy, and compliance • Evaluate vendor performance and maintain accountability for deliverables • Ensure audit standards and expectations are consistently met across external partnersRegulatory Exams & State Oversight • Assist in managing state regulatory examinations, audits, and responses • Coordinate documentation, responses, and remediation efforts • Serve as a subject matter expert on state-level mortgage regulations across multiple jurisdictionsRisk Identification & Reporting • Identify regulatory, operational, and compliance risks across the organization • Prepare and deliver executive-level reporting with actionable insights • Track defect trends and provide recommendations for continuous improvementAudit Strategy & Continuous Improvement • Strengthen internal controls and audit processes to enhance regulatory readiness • Monitor trends in audit findings, QC results, and regulatory feedback • Partner with leadership to proactively address risks and improve audit outcomesKey Performance Indicators (KPIs) • QC vs. Audit Variance: Maintain less than 5% variance between QC and audit findings • State Exam Results: Achieve zero material findings with timely remediation of any issues • Defect Trends: Demonstrate measurable improvement in defect rates over time • Vendor Audit Accuracy: Ensure high-quality, consistent performance from third-party vendors • Reporting Timeliness: Deliver accurate monthly executive reporting on schedule