Mortgage Compliance Consultant

Mortgage Compliance Specialist Location: Phoenix, AZ (ONSITE) Join a Team Where Compliance Drives Business Success Are you a compliance professional who thrives on solving complex regulatory challenges, strengthening controls, and influencing key business decisions? If so, we want to hear from you. We are seeking a Compliance Consultant for a contract-to-hire opportunity with a leading financial institution.

In this highly visible role, you'll partner with business leaders, risk teams, and stakeholders across the organization to help ensure regulatory compliance, mitigate risk, and support a strong Compliance Management System (CMS). This is an excellent opportunity for someone looking to make an immediate impact while positioning themselves for long-term career growth.

What You'll Be Doing As a Compliance Consultant, you will serve as a trusted advisor on regulatory and compliance matters, helping the organization maintain strong controls and meet regulatory expectations.

Key Responsibilities

✅ Analyze compliance-related data, reports, and processes to identify potential risks and areas for improvement. ✅ Provide guidance on regulatory requirements, bank policies, risk assessments, issue management, and compliance best practices. ✅ Partner with cross-functional teams and all lines of defense to support compliance initiatives and regulatory commitments.

✅ Identify root causes of compliance concerns and recommend practical solutions to strengthen controls and reduce risk. ✅ Monitor remediation efforts and corrective action plans to ensure compliance issues are effectively resolved. ✅ Evaluate the effectiveness of compliance controls and recommend enhancements where needed.

✅ Prepare clear, concise reports and communicate findings to management, business leaders, and risk committees. ✅ Support regulatory examinations, policy reviews, monitoring activities, and ongoing compliance program improvements.

What We're Looking For

Required Qualifications ✔ 2+ years of experience in Regulatory Compliance, Risk Management, Internal Audit, or a related financial services environment. ✔ High School Diploma required; Bachelor's Degree in Business, Finance, Risk Management, or related field preferred. ✔ Working knowledge of consumer lending and mortgage compliance regulations, including: TILA RESPA ECOA FCRA HPA FDPA ✔ Understanding of agency and regulatory requirements from organizations such as: FNMA FHLMC FHA VA USDA FRB CFPB ✔ Experience reviewing policies, procedures, controls, and loan documentation for compliance adherence.

✔ Strong analytical, problem-solving, and risk assessment skills. ✔ Proficiency with Microsoft Office applications, including Excel, Word, and PowerPoint. ✔ Excellent written and verbal communication skills with the ability to present findings to leadership.

Preferred Qualifications

⭐ Experience supporting residential mortgage lending operations, including retail and correspondent channels. ⭐ Knowledge of specialized mortgage products such as ARM, DSCR, Interest-Only, HELOC, and HEL programs. ⭐ Wholesale lending compliance experience is a strong plus. ⭐ Experience with regulatory change management, issue management, and compliance monitoring programs.

Why You'll Want This Opportunity