VP, Compliance (Mortgage)

<p> </p><p> </p> <p> </p><p style="margin: 0in 0in 8pt; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Founded in 2008, EPM is one of the leading wholesale mortgage lenders in the U.S. Headquartered in Atlanta, GA, and licensed in all 50 states, we offer a full range of loan products — including conventional, FHA, VA, non-QM, renovation, and USDA. </p> <p style="margin: 0in 0in 8pt; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Our vision is to live in a world where everyone has the opportunity for <strong>The American Gif</strong>t.  Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions. </p> <p style="margin: 0in 0in 8pt; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;"><strong>Empowering You</strong>.  We're built on radical candor, innovation, and a commitment to empowering our team members to best support the clients we serve and help shape our future.   <br><br><strong>The Role</strong>  <br>EPM is seeking an experienced<span style="font-family: Arial, sans-serif;"> </span>VP, Compliance to join our team.  This role is responsible for leading the compliance function and will oversee the strategy and design of modern processes, programs and systems. The ideal candidate is a strong leader with deep regulatory expertise, proven leadership experience, and experience in an IMB model. If this sounds like you, apply today!<span style="font-family: Arial, sans-serif;"> </span> </p> <p></p> <p></p> <p></p><p><br></p><div> <p style="margin: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;"><strong>What You'll Do </strong></p> <ul type="disc" style="margin-top: 0in; margin-bottom: 0in;"> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Lead the Compliance Department, overseeing compliance programs including BSA/AML and Fair Lending.<span style="font-family: Arial, sans-serif;"> </span></li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Develop and implement company-wide compliance strategies, policies, and procedures.<span style="font-family: Arial, sans-serif;"> </span></li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Represent company and liaison with regulators and external agencies; Ensure department timely delivery of audits, exams, consumer complaint responses, and compliance reporting.<span style="font-family: Arial, sans-serif;"> </span></li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Interpret and provide guidance on mortgage lending regulations and agency guidelines (e.g., CFPB, HUD, VA, TILA, RESPA, TRID, QM/ATR, ECOA, MDA, GLBA, UDAAP, SAFE Act, Fannie Mae, Freddie Mac).<span style="font-family: Arial, sans-serif;"> </span></li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Oversight of NMLS licensing, state regulatory requirements, examinations, and annual reporting obligations.</li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Oversee audit process, monitoring, and ensure adequate testing of compliance procedure, disseminate corrective actions and monitor remediation<span style="font-family: Arial, sans-serif;"> </span></li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Establish SOPs and efficient processes to support organizational needs and provide excellent service to business units.<span style="font-family: Arial, sans-serif;"> </span></li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Oversee loan reviews, identify trends, and report findings to Senior Management.<span style="font-family: Arial, sans-serif;"> </span></li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Resolve escalations on complex compliance issues and collaborate across departments to implement timely solutions.<span style="font-family: Arial, sans-serif;"> </span></li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Provide leadership and coaching to Compliance staff, ensuring clear performance standards and objectives.<span style="font-family: Arial, sans-serif;"> </span></li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Make recommendations to ensure adherence federal, state, and local regulations and agency guidelines governing mortgage origination, selling, and securitization.</li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Additional responsibilities as assigned due to business needs.<span style="font-family: Arial, sans-serif;"> </span> </li> </ul> </div><p><br></p><div> <p style="margin: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;"><strong>What You Bring</strong></p> <ul type="disc" style="margin-top: 0in; margin-bottom: 0in;"> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">10+ years of experience in compliance, risk management, or financial services; mortgage origination experience required. </li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">5+ years of management/leadership experience in compliance, including leading teams; Proven experience in building compliance functions and processes.</li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">5+ years’ experience with independent mortgage banking (IMB)</li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Strong knowledge of federal and state mortgage lending regulations, investor guidelines, and government agency standards. </li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Working knowledge, hands on experience with NMLS system and requirements</li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Prior experience managing regulatory exams, audits, compliance reporting, quality control, and TPO oversight. </li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Proficiency with Encompass and Mavent</li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Strong leadership and change management skills</li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Excellent communication skills with ability to translate complex topics into actionable processes</li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Strong ability to prioritize initiatives and workload and organize tasks</li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Experience preparing Suspicious Activity Reports (SARs) and working with SAR Review Advisors. </li> <li style="margin-bottom: 0in; margin-top: 0in; margin-right: 0in; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;">Professional certifications preferred, including CRCM (Certified Regulatory Compliance Manager) or CAMS (Certified Anti-Money Laundering Specialist). </li> </ul> <p style="margin: 0in 0in 8pt; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;"> </p> </div><p><br></p><p></p> <p> </p><p style="margin: 0in 0in 8pt; line-height: 115%; font-size: 12pt; font-family: Aptos, sans-serif;"><strong>Why EPM?</strong></p> <p></p> <p> </p><p style="margin: 0in; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-family: Aptos, sans-serif;">At EPM, you'll have the tools, technology, and support to do your best work — and the freedom to bring your ideas to life. We're committed to building a workplace where every team member is valued and can be heard. At EPM, you can be your best <strong><span style="font-family: Aptos, sans-serif;">YOU</span></strong>.</span></p> <p style="margin: 0in; font-size: 12pt; font-family: 'Times New Roman', serif;"> </p> <p style="margin: 0in; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-family: Aptos, sans-serif;">Visit us at <a href="https://www.epmwholesale.com/careers/"><span style="color: #3598db;">EPM Careers </span></a>to learn more about our perks and benefits.</span></p> <p style="margin: 0in; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-family: Aptos, sans-serif;">EPM is an equal opportunity employer committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic.</span><span style="font-family: Arial, sans-serif;"> </span><span style="font-family: Aptos, sans-serif;"> </span></p> <p style="margin: 0in; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-family: Aptos, sans-serif;"> </span></p> <p style="margin: 0in; font-size: 12pt; font-family: 'Times New Roman', serif;"><strong><span style="font-family: Aptos, sans-serif;">Candidate Acknowledgment Statement</span></strong><span style="font-family: Aptos, sans-serif;"> </span></p> <p style="margin: 0in; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-family: Aptos, sans-serif;">By clicking "Apply for this Job," I acknowledge that I have reviewed, understand, and agree to the terms outlined in the linked<span style="color: #34495e;"> <span style="color: #3598db;"><a rel="noopener" href="https://acrobat.adobe.com/id/urn:aaid:sc:va6c2:1e5d3ffa-a188-4a88-bf3b-321601971562" style="color: #3598db;">EPM Legal Statement and Application Addendum</a>.</span></span><span style="color: #3598db;"> </span></span></p> <p></p>

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

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4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

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The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

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Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

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This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...