At Unison, we’ve built a smarter way to unlock home equity, without interest, debt, or monthly payments. Our Vision is to Optimize Homeownership by providing the missing products and expert advice to empower our customers - both consumers and institutional investors - to optimally own and invest in Residential Real Estate. Unison is a mission driven company and we’re looking for ambitious individuals to help us grow.

Your Mission

As the Chief Compliance & Audit Officer, your mission is to establish mortgage compliance processes and procedures to ensure Unison Mortgage Corporation fully complies with applicable mortgage laws and regulations as we launch our mortgage division. You will represent Unison in investor meetings, regulatory inquiries, and outside third party audits. You will work closely with sales, operations, servicing and technology teams to ensure processes, procedures and technology perform compliantly as intended. You will also be responsible for developing a compliance playbook, internal testing, and regulatory audits.

Within 1 month, you’ll:

Learn about our established product, equity sharing agreement as well as the new mortgage product initiativeImmerse into the product development process with a focus on helping ensure perfect compliance for the launchReview the existing compliance framework and make recommendations for improvement

Within 3 months, you’ll:

Have compliance playbook establishedReview first wave of mortgage loans as they are consummated to ensure all compliance components met within specified timeframesEstablish relationships with department headsHave started to formulate compliance testing planEstablished relationships with external compliance partners and vendors

Within 6 months, you’ll:

Have successfully completed first internal compliance auditIdentified areas of concern, severity, and have formulated plans to rectifyEstablished calendar for periodic testing and reviewEstablished testing plan for all involved vendors, with a focus on subservicingHave completed first review of servicing vendors policies and procedures, internal testing plans, disaster recovery/business continuity plans, and audit resultsEstablished employee compliance training initiatives

Responsibilities:

Ensure enterprise wide compliance through a sound compliance management systemStructure and Lead Compliance Committee and Compliance Policy Approval CommitteeDevelop, implement and maintain compliance policies and proceduresAssess current policies, procedures and practices to ensure compliance with laws and regulations and implement any needed changesIdentify and evaluate newly enacted laws and regulations that impact the business lines and execute a plan for compliance that will mitigate any riskCommunicate with various regulatory bodiesOversee compliance testing, reporting and creation of Compliance Committee deckDevelop and provide input on training materials and may present or oversee compliance trainingReview assessment reports related to annual lender, CMS, sub-servicer, and AMLPerform internal AML assessmentProvide direct leadership to compliance and audit management and staff ensuring activities run efficiently while providing development and coaching, including education and resourcesOversee branch compliance to ensure nationwide offices have compliance support, training and resourcesIndependence and authority to test, examine and audit compliance based on company policy and procedures, laws and regulations and to document recommended corrective actionEnsure two separate risk assessments of regulatory and fair lendingCompile monitoring and corrective action risk ratingsMaintain consistent policy and audit schedulesEnsure response to consumer complaints through regular auditOversee and review Fair Lending and HMDA activities and reportingOversee and review NMLS and state specific reportingOversee and review internal and external third party auditsOversee and review Federal and State examinationsOversee and review branch annual auditsOversee and review internal audit policy testingOversee and review state disclosure and testing

About You

You are a seasoned executive mortgage leader, experienced in shaping the compliance processes and policies for origination and servicing of non-conforming mortgages. You are creative and thrive in complex and uncertain environments and are ready to innovate the home financing space. You exemplify our values, have a drive to succeed, and your experience includes:

8 years minimum of core compliance and 10 – 15 years progressively responsible experience managing and/or evaluating mortgage and/or consumer lending, mortgage origination, and servicing loan portfoliosMortgage banking managerial background which includes: Pipeline Management, Reporting, Risk Analysis, Operations Management (Processing, Underwriting, Closing, QA, Credit Risk Funding, Shipping, Insuring, Back-office, Marketing & Advertisement, Social Media and Secondary Marketing Compliance)Working knowledge of the mortgage lending, underwriting, and servicing process including identification of exposure and risk factors, including fraud and AMLExcellent presentation and written communication skillsAbility to work in a self-directed manner, makes sound decisions and demonstrates superior organizational skillsWorking knowledge of mortgage regulations including Regulation Z, TRID, ATR, Real Estate Settlement Procedures Act (RESPA), AML, UDAAP, Appraisal Management, Vendor Management, NMLS Licensing and ReportingExperience building compliance framework for a mortgage startup Working knowledge of investor guidelines, underwriting policies and loan productsAbility to set a clear vision and drive the team’s performance towards goal achievementProven track record in building strong relationships, influencing change and delivering results across an organizationThrives in a fast paced environment needing to manage multiple prioritiesDemonstrated leadership ability with proven success in building and managing teamsDemonstrated strategic and tactical planning skillsHigh-level communication skills: written – verbal – listeningAbility to interact with external regulators

Bonus:

Certified Mortgage Compliance Professional (CMCP) designation

We recognize that people come with experience and talent beyond just the technical requirements of a job. If your experience is close to what you see listed here, please still consider applying. Diversity of experience and skills combined with passion is a key to innovation and excellence. Please let us know if you require accommodations during the interview process.

What does Unison Offer?

The base salary range for this role is $185,000 to $220,000 and the job duties must be performed from our San Francisco, CA office. This range does not include bonus potential, equity, or additional benefits that the company may provide. The base salary offered will be determined by a wide array of factors such as experience, skills, certifications, and education. Decisions will be determined on a case-by-case basis.

We provide company paid medical, dental and vision insurance coverageEmployee Recognition Program A brand new MacBook or ThinkPad with plug and play capabilities for in office or at home useExtensive Employee Assistance ProgramCompany options, so as the company grows, you grow with it!A healthy bonus or commission plan offered based on roleWe value team culture and enjoy interacting with colleagues, hanging out after work any day of the weekA lot of room for personal development and growth and a $2,000 stipend to help you get thereA start-up environment in which you can make a difference.Multiple different opportunities to join company groups to make a culture impact (i.e. DEIB Committee, Fun Committee, Book Clubs, Toastmasters)

Unison provides equal employment opportunity to all individuals regardless of their race, age, creed, color, religion, national origin or ancestry, sex, gender, disability, veteran status, genetic information, sexual orientation, gender identity or expression, pregnancy, or any other characteristic protected by state, federal, or local law.

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