Here at Hometap, we’re collaborative, passionate, and always ready to roll up our sleeves to create solutions that help people get more out of homeownership — and out of life. Our first product, a home equity investment, gives homeowners the opportunity to quickly access the equity they’ve built in their home to pay for what’s most important to them, from handling debt to finally making much-needed renovations, without taking on debt.
We work hard, and have some fun along the way, too. You don’t have to take our word for it: The Boston Globe and Forbes have recognized us as a great place to work, and we’ve been honored for our commitment to innovation in the fintech space by Inc., HousingWire, and more!
In case you need any more convincing, we also provide competitive compensation, healthcare coverage, generous PTO, a meaningful equity package, and a strong culture with plenty of opportunities for team-building and camaraderie.
Who you are:
Hometap is seeking a Senior Compliance Analyst to join our growing Compliance team. You'll conduct material reviews to ensure compliance with federal, state, and internal requirements, and perform periodic testing to confirm our products and processes meet regulatory and legal standards. You'll act as a business partner to stakeholders across the organization and contribute to the continued development of Hometap's compliance program. Our ideal candidate is collaborative, innovative, and loves building and delivering efficient compliance solutions with a customer-service approach.
What you'll do:
- Partner with Product and Operations teams to provide guidance on new and existing home equity offerings, with a focus on state lending regulatory requirements
- Participate in risk assessments, including control testing and remediation validation
- Complete monitoring and compliance testing activities on a designated schedule, focusing on origination and servicing requirements such as state-specific disclosures, payoff statements, quarterly account statements, and default handling – including preparing reports and summarizing findings for stakeholders and senior management
- Maintain current working knowledge of federal, state, and local regulations applicable to home equity investments, including Regulation Z (TILA), Regulation X (RESPA), Regulation B (ECOA), Regulation C (HMDA), FDCPA, and SCRA/MLA
- Partner with business teams on issue remediation, including identifying open risks and ensuring operational changes are implemented to prevent future issues
- Provide expert regulatory advice on compliance program elements
- Monitor internal controls and establish testing programs within Servicing and Operations to ensure compliance with laws and regulations
- Review communications and documentation templates for adherence to regulatory requirements
- Assist in reviewing and resolving customer complaints related to servicing activities, identifying root causes, and documenting remediation as needed
- Develop and deliver compliance training and communications for employees
- Stay current on the broader regulatory environment, industry standards, and best practices for financial institutions
What you'll bring
- 5+ years of compliance experience in a financial institution, preferably in mortgage, home equity servicing, or consumer lending
- Working knowledge of consumer finance regulations, with a strong preference for equity investment or mortgage experience—including Regulation Z (TILA), Regulation X (RESPA), and requirements related to defaults and foreclosures
- Experience conducting first or second line of defense control testing
- Ability to build strong working relationships and partner effectively across all levels of the organization, especially with Servicing and Operations teams
- Experience developing and delivering compliance training for broad audiences
- Strong analytical and conceptual thinking skills, with the ability to interpret regulations and turn them into actionable steps
- Comfortable working independently in a fast-changing environment as the business and regulatory landscape evolves
- Customer-service mindset with experience collaborating across teams
- High personal and professional integrity
- Commitment to diversity and respect for others
- Bachelor's degree or equivalent experience
Bonus points
- Familiarity with real estate, lending, mortgage, and related industries
- Experience with servicing software platforms, GRC tools, and other compliance tools
- Certified Regulatory Compliance Manager (CRCM) or other related compliance certifications
Our team is what makes us great. The salary range for this role is $115,000 - $135,000, depending on your experience, skills, location, and other factors. You’ll also receive meaningful equity, so you can share in our growth and success. We offer generous medical, dental, and vision coverage, a work-from-home stipend, parental leave, and plenty of paid time off to recharge.
Hometap is an equal opportunity employer. We provide employment opportunities regardless of race, age, color, religion, sex, sexual orientation, gender, gender identity, gender expression, genetic information, national origin, pregnancy, marital, veteran, or disability status. If there is an accommodation that would support your ability to apply and interview with Hometap, please let us know by emailing [email protected].
Top Skills
Hometap New York, New York, USA Office
25 W 39th St 8th FL, New York, NY, United States, 10018
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