Compliance Lead

About the role

Behind many of lifes most important transactions buying a house, applying for a mortgage, getting a small business loan, or refinancing a credit card is a network of credit relationships. Setpoint provides critical infrastructure for relationships between the worlds largest banks, credit funds and capital markets counterparties. Were building trust in this system of credit. 

inTENT provides third-party review (TPR) and diligence services that sit at the heart of residential lending transactions. We are looking for a Compliance Lead to ensure the accuracy, consistency, and regulatory soundness of our loan review operations. This role is critical to maintaining the integrity of our compliance function and the trust our clients place in us.

This position reports directly to the inTENT Chief Operating Officer (COO).

Who will love this job

• A compliance authority you have deep, current knowledge of federal, state, and local residential lending laws and can apply them confidently.
• A quality champion you hold yourself and others to a high standard and take pride in zero-defect work.
• A teacher and coach you enjoy training others, explaining complex regulatory concepts clearly, and driving continuous improvement.
• A problem-solver clients bring you their hardest compliance questions and you find the right answers.
• A systems thinker you understand how tools like ComplianceEase fit into a broader QC workflow and know how to get the most out of them.

What youll do

• Perform quality control reviews of the compliance portion of loans reviewed by inTENT staff, ensuring accuracy and regulatory adherence.
• Track, compile, and report QC and deficiency results to the COO and relevant stakeholders on a regular basis.
• Design and deliver compliance training programs, including onboarding for new employees, updates driven by regulatory changes, and corrective action training.
• Conduct credit and compliance loan reviews as needed.
• Serve as the primary point of contact for client compliance questions, investigating and resolving issues in a timely and professional manner.
• Calibrate and maintain the ComplianceEase system to ensure consistent and accurate compliance findings.

You should have

• 5+ years of experience in residential federal, state, and local loan compliance.

• 5+ years of experience in TPR-related loan review.

• Thorough knowledge of applicable federal lending laws and regulations, including: 

• TRID (TILA-RESPA Integrated Disclosure Rule) Loan Estimate and Closing Disclosure requirements

• RESPA (Real Estate Settlement Procedures Act) settlement service disclosures, kickback prohibitions, and escrow rules

• HMDA (Home Mortgage Disclosure Act) data collection, reporting, and fair lending analysis

• ECOA (Equal Credit Opportunity Act) anti-discrimination requirements in credit decisions and adverse action notices

• ATR/QM (Ability-to-Repay / Qualified Mortgage Rule) underwriting standards and safe harbor requirements under Dodd-Frank

• State Predatory Lending Laws including high-cost loan thresholds, prepayment penalty restrictions, and anti-flipping provisions across applicable jurisdictions

• Strong knowledge of Rating Agency requirements (Moody's, DBRS/Morningstar, Kroll, Fitch) as they apply to residential loan securitization and TPR standards.

• Strong knowledge of GSE and agency underwriting guidelines, including Fannie Mae, Freddie Mac, FHA, VA, and USDA.

• Expert-level proficiency with ComplianceEase, including system calibration and audit trail management.

• Strong written and verbal communication skills, with the ability to explain regulatory requirements clearly to staff and clients alike.

• Preferred: CMCP (Certified Mortgage Compliance Professional) or CRCM (Certified Regulatory Compliance Manager) designation.

About inTent

inTENT is a leading provider of third-party review and diligence services for the residential lending industry. As part of the Setpoint family of companies, inTENT combines deep compliance expertise with cutting-edge technology to deliver faster, more accurate loan review outcomes for lenders, servicers, and capital markets participants.

About Setpoint

Setpoint provides purpose-built capital and technology to asset-backed borrowers and lenders. Our platform is the funding operating system for originators: it verifies and stores documents; automates critical calculations and compliance reporting; and digitizes assets like homes or cars. Setpoints technology makes warehouse transactions instant and error free.

In August 2024, Setpoint announced the successful completion of its $31 million Series B funding round. 645 Ventures led the round, with significant strategic investments from Citi and Wells Fargo, alongside Andreessen Horowitz, NextView Ventures, Floating Point, Henry Kravis, Zillow founders 75 & Sunny, Vesta Ventures, Fifth Wall, Eltura Ventures, and Outrunner Capital. 

We offer a comprehensive benefits package that includes competitive salaries, stock options, medical, dental, and vision coverage, 401(k), short term and long term disability coverage, and flexible vacation. We have offices in Austin, TX, New York City, NY, and Salt Lake City, UT with hybrid roles based in these locations and an expectation of two days a week in office (Tuesdays and Thursdays).

inTENT and Setpoint provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.