Regulatory Compliance Testing Analyst

Description

Position at loanDepot

Position Summary:

Responsible for supporting the execution and continuous enhancement of the company's compliance testing program, with a primary focus on mortgage originations and servicing activities. This role will be conducting detailed loan-level testing to assess adherence to applicable federal and state regulatory requirements, internal policies, and control standards. The Analyst performs periodic and ad hoc testing across the full loan lifecycle, including origination, disclosure, and servicing processes, identifying control gaps, compliance risks, and potential consumer impact. Responsibilities include documenting test results, developing clear and actionable findings, and contributing to the preparation of reporting for management and governance forums.

Responsibilities:

• Executes risk-based regulatory compliance testing across mortgage originations and servicing activities, ensuring appropriate coverage of high-risk areas and alignment with the enterprise testing strategy.
• Translates complex federal and state regulatory requirements (e.g., TRID, RESPA, TILA, ECOA, FCRA, FDCPA, SCRA, UDAAP) into structured, repeatable test scripts, procedures, and decision frameworks that support consistent and defensible testing outcomes.
• Performs detailed loan-level file reviews and/or data-driven testing to validate control effectiveness, identify compliance gaps, and assess potential consumer impact and regulatory risk across the full loan lifecycle.
• Evaluates and risk-ranks findings by severity, frequency, and root cause, distinguishing isolated issues from systemic control breakdowns and clearly articulating regulatory implications.
• Documents testing methodologies, supporting evidence, and conclusions in a clear, concise, and examiner-ready format that meets internal governance standards and withstands regulatory and audit scrutiny.
• Develops clear, actionable findings and recommendations that drive timely remediation, strengthen internal controls, and enhance overall compliance posture.
• Contributes to the continuous improvement and scalability of the compliance testing program by identifying opportunities for process optimization, automation, and data-driven insights.
• Leverages data, reporting tools, and system inputs to support efficient testing execution, identify anomalies or trends, and improve the depth and accuracy of testing outcomes.
• Maintains ongoing regulatory awareness and exam readiness, ensuring testing practices, documentation, and outputs remain aligned with evolving regulatory expectations and industry standards.

Requirements

• Bachelor's Degree required, and/or a minimum of four (4) + years' experience in finance, business or related field.
• Minimum two (2) + years of experience in regulatory compliance testing, audit, or risk within mortgage originations and/or servicing.
• Knowledge of key consumer protection regulations impacting mortgage lending and servicing.
• Experience in a second line of defense (2LOD) compliance testing or internal audit environment preferred.
• Familiarity with data analysis tools (e.g., SQL) is a plus.
• Proficient with Microsoft Office applications: Word, Excel, PowerPoint, Outlook, and Teams.

Why work for #teamloanDepot:

• Aggressive compensation package based on experience and skill set.
• Inclusive, diverse, and collaborative culture where people from all backgrounds can thrive.
• Work with other passionate, purposeful, and customer-centric people.
• Extensive internal growth and professional development opportunities including tuition reimbursement.
• Comprehensive benefits package including Medical/Dental/Vision.
• Wellness program to support both mental and physical health.
• Generous paid time off for both exempt and non-exempt positions.

About loanDepot:

loanDepot (NYSE: LDI) is a digital commerce company committed to serving its customers throughout the home ownership journey. Since its launch in 2010, loanDepot has revolutionized the mortgage industry with a digital-first approach that makes it easier, faster, and less stressful to purchase or refinance a home. Today, loanDepot enables customers to achieve the American dream of homeownership through a broad suite of lending and real estate services that simplify one of life's most complex transactions. With headquarters in Southern California and offices nationwide, loanDepot is committed to serving the communities in which its team lives and works through a variety of local, regional, and national philanthropic efforts.

Base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay for this role is between $66,000 and $90,000. Your base pay will depend on multiple individualized factors, including your job-related knowledge/skills, qualifications, experience, and market location.

We are an equal opportunity employer and value diversity in our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.