Job: Sr. Compliance Officer

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Posted: 02/27/2018

Job Status: Full Time

Job Reference #: mb1.30.18

Job Description

Professionals who desire to join an innovative, progressive and thriving company with an environment conducive to personal growth, high performance and financial success consider United Northern Mortgage Bankers, Ltd., (UNMB) an employer of choice.

Great company culture doesn’t happen on its own.  Ours is developed from a conscious effort to build upon values that include respect, diversity, ethics, balance and teamwork.  Here at UNMB, our employees have access to a Certified Business Coach, a Corporate Relationship Coordinator as well as cutting edge marketing and support materials including customizable mobile apps and websites.

For more than 38 years, UNMB has earned its position as one of the most respected and trusted lending institutions.  We are a “top 10” nationally ranked Reverse Mortgage Employer and have an A+ accredited business ranking from the BBB.  We welcome you to reach out and explore your opportunities.

Job Details:  Full Time Position

The Sr. Compliance Officer will report to the Chief Compliance Officer.  Your duties will include, but are not limited to, monitoring federal and state regulatory agencies for new laws and regulations and conducting compliance risk assessments to determine inherent residual risk ratings across all lending systems.  Under the direction of the Chief Compliance Officer, you will direct / advise management of all aspects related to certain assigned bank or non-bank regulations.  

Responsibilities include development, updating and facilitating implementation of all policies and procedures related to attendant regulations to minimize the organization’s exposure to regulatory criticism, reputation and financial risk of loss. You will provide support for business lines / entities through the identification and interpretation of the current banking and related financial services laws and regulations and any changes thereto.

The Sr. Compliance Officer will operate in full compliance with internal policies and procedures as well as applicable regulations and laws, including but not limited to HMDA; AML; OFAC and CRA requirements.  You will be responsible to report any procedure or process that does not meet regulatory requirements including fraud, whether suspected or confirmed, to management.  This reporting can be done directly to any member of management, including to the Chief Compliance Coordinator or Human Resources. 

In addition, the Sr. Compliance Officer has functional reporting responsibilities to the Chief Compliance Officer and to Human Resources for the purpose of implementing the corporate compliance program in accordance with standards established in all applicable compliance procedures.  The Chief Compliance Officer has functional reporting responsibilities and shall provide, at minimum, annual performance feedback of the Sr. Compliance Officer’s performance, to the CEO.

You Will:

  • Assist in conducting monthly Compliance Audits to determine violations of procedure or law in areas such as ECOA and Fair Lending, TILA, FDCPA, FCRA, EFTA, TCPA, UDAAP, SCRA, BSA/AML and OFAC, and GBLA.
  • Implement and manage an internal vendor management program.
  • Coordinate with Operations and Compliance during an audit or on an as-need basis on possible changes to processes / controls and / or systems to add value to the department or to remediate identified process / control gaps.
  • Interact with external regulatory examiners, investors and bank partners to answer compliance questions and fulfill documentation requests.
  • Assist in drafting Compliance Reports for the Chief Compliance Officer, Senior Management and CEO.
  • Assist in ensuring that compliance issues or concerns within the organization and its bank partner are being appropriately evaluated, investigated and resolved timely.
  • Monitor and review responses drafted by the Office of the President to complaints alleging violations of various federal and state laws, regulations, policies, procedures.
  • Assist in drafting and implementing Compliance Policies and Guidelines and business unit procedures to ensure compliance with various federal and state laws across the USA.
  • Review new lending products / services, proposed marketing / sales materials to ensure compliance with applicable federal and state laws / regulations.
  • Participate in Compliance Committees and proposes viable solutions to mitigate compliance risk.
  • Assist in developing / implementing effective compliance training, including appropriate introductory training for new associates and ongoing training for all associates / managers.
  • Monitor all aspects of changes in state or federal laws and regulations to ensure awareness of actual and pending changes in each area of compliance.
  • Consult with Corporate Legal on the impact of court decisions, as applicable.
  • Perform other duties as assigned.

Skills / Requirements

You Have:

  • Lending originations compliance or audit experience.
  • Prior experience in conducting Compliance Risk Assessments and Audits.
  • Proven ability to influence at all levels within the organization.
  • Excellent communication skills, both written and verbal, are required, with knowledge of business methods and practices in the financial services industry.
  • Extensive knowledge and understanding of technical areas gained through experience and utilized in completing assignments or overseeing others’ work.
  • Strong organizational skills permitting the effective management of several concurrent projects and priorities with attention to detail.
  • Proficient in Microsoft Office and computer savvy.
  • Mathematically minded.
  • Strong time-management skills / ability to recognize and meet deadlines.


Required Experience / Education:

  • Regulatory Compliance, 3 - 5 years.
  • Real Estate, Banking, 3 - 5 years.
  • Compliance experience with a financial institution required, 5 + years.
  • Leadership experience preferred, 5 + years.
  • Bachelor’s degree or equivalent work experience may be substituted for degree requirement.
  • Certified Regulatory Compliance Manager (“CRCM”) or Compliance Attorney.

Room for potential growth within the company for the right candidate.

UNITED NORTHERN MORTGAGE BANKERS, LTD (NMLS# 7230) is an Equal Opportunity and Affirmative Action Employer committed to workforce diversity.  All qualified applicants will receive consideration without regard to race, religion, age, color, gender, color, gender identity or expression, sexual orientation, national origin, disability status, marital status or veteran status.  Requirements listed above are representative of the knowledge, skill set and/or ability required to successfully execute the job/position listed.

Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions of the job.  Please inform us if you require a reasonable accommodation to apply for a position or perform your job. Employment is contingent upon successful completion of a background investigation.

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