Senior Analyst, Compliance & Licensing

Summary

Join Kiavi, a leading private lender for residential real estate investors, as a Sr. Analyst, Compliance and Licensing. This integral role manages company and employee mortgage licenses, regulatory examinations, and new product licensing requirements. You will also manage regulatory updates, support legal and compliance projects, and ensure compliance with state and federal laws. The position offers remote work flexibility within approved regions and a competitive salary and benefits package. Kiavi is committed to helping revitalize U.S. housing stock and has a strong track record of growth and innovation. The ideal candidate possesses strong knowledge of mortgage lending regulations and experience managing licenses and interacting with regulators.

Requirements

• 3-5 years of experience supporting a legal, compliance or operations team with focus on state lending laws or state licensing
• Knowledge of NMLS and reporting requirements
• Demonstrated knowledge in mortgage banking or regulatory compliance (ECOA, FCRA, BSA/AML, HMDA)
• Ability to work with and communicate effectively with cross functional partners
• Enthusiasm for taking on new responsibilities, even if outside areas of expertise
• Able to work independently and problem solve autonomously in fast-paced environment
• Ability to think critically and creatively to solve problems

Responsibilities

• Manage company licenses, branch licenses and loan officer licenses, including new applications, surrenders, terminations, amended filings, transfers using the NMLS and/or state specific regulatory websites
• Lead processes for loan originator licensing, renewals and monitoring of continuing education, including for qualified individuals and company owners
• Research state law requirements to ensure Kiavi is properly registered and licensed to conduct business in new states we may do business in
• Work closely with sales personnel to ensure individual licensing is obtained and maintained to offer Kiavi products
• Assist with mortgage call reports
• Lead periodic state specific and federal reports
• Track legislative and administrative activities in key issue areas. Ensure applicable changes are assigned to appropriate team members and follow up for proper implementation
• Partner with internal stakeholders to ensure state licensing and reporting requirements are satisfied
• Determine and obtain appropriate types and amounts of relevant corporate and individual bond coverage to cover risks to Kiavi and Kiavi personnel
• Serve as primary point of contact for state examinations, including but not limited to, obtaining and reviewing all requested materials for the examination, reviewing and drafting response to examination results and ensuring any fees are paid timely
• Ensure reporting for state requirements is accurate and submitted in a timely manner
• Ensure Kiavi’s compliance with state usury, disclosure, insurance and other lending laws
• Conduct ad hoc research on relevant state or federal laws
• Develop and maintain management reporting of licensing status and activities
• Draft Policies and Procedures
• Assist with additional legal/compliance tasks as needed, including procurement, and compliance monitoring/testing

Preferred Qualifications

Experience interacting with regulators/state examiners

Benefits

• Medical, Dental, and Vision Insurance: Kiavi offers free employee-only coverage for medical, dental, and vision plans. Dependents receive a heavily discounted premium, competitively placed in the 90th percentile for cost
• Health Savings Account (HSA): For those enrolled in a High Deductible Health Plan (HDHP), Kiavi provides an annual employer contribution to HSAs: $500 for individual coverage and $1,000 for dependents
• Disability and Life Insurance: Immediate access to short-term and long-term disability insurance, as well as group life and AD&D insurance, with coverage at 1x annual salary
• Remote Work Policy: Kiavi supports working remotely for day to day activities for most roles and occasionally may ask employees to gather in person for key meetings, trainings, team building etc. For remote workers, Kiavi offers a one-time office setup reimbursement of up to $500 and a monthly $85 stipend for internet and phone expenses. For in-office workers, Kiavi offers employer contributions to commuter benefits account, either for parking or public transportation
• Flexible Time Off: Employees are empowered to manage their own time off, with no strict limits, as long as it's approved by their manager
• Paid Leaves: Up to 8 weeks of paid leave for medical or caregiver purposes, and 12 weeks of paid maternity/paternity leave. Short-term disability leave is also available for birthing mothers
• 401(k) & Company Match: A 401(k) plan managed by Fidelity, with Kiavi matching 100% of contributions up to 3% of compensation or $6,000 (whichever is less). All employer contributions are immediately vested