Senior Manager, Compliance

Kiavi, formerly known as LendingHome, is one of the largest lenders to real estate investors in the United States. With Kiavi’s technology platform and innovative financing solutions, real estate investors are empowered to make informed decisions, close deals faster, and realize the full potential of their real estate investment strategies.

Founded in 2013, Kiavi is committed to helping customers revitalize approximately $25 trillion worth of aged U.S. housing stock and provide move-in ready homes and rental housing for millions of Americans across the country.  We have funded $10.7billion dollars worth of loans across about 46,000+ projects, becoming one of the nation's largest bridge loan lenders. 

Combining our technology and industry expertise, Kiavi has grown to a team of over 500 and has won many awards over the years including Forbes Fintech 50, Finovate Awards: Best Digital Mortgage Platform, Fast Company’s Most Innovative Companies, and many more. 

• Loans Funded: $10.7+ billion in loans funded 
• Homes financed: 46,000+ projects funded for our customers across the country. 95% of projects have successful exits
• Geography: 29 states + D.C. where we lend to real estate investors so they can revitalize neighborhoods 
• Employees: Over 500 employees

This position can be based remotely in our any of our approved hiring regions. Our hybrid distributed workforce philosophy allows us to find the best talent in the country and build diverse teams, while allowing our colleagues to work from the location that works best for them. For those who prefer to work in-office, we have locations in San Francisco and Pittsburgh. We also plan to use these spaces to bring together teammates to drive creativity and innovation.

The Team:

Compliance is a part of the larger Legal Team and is responsible for managing  compliance and enterprise risk across Kiavi.

The Role:

The Senior Manager, Compliance is an integral role that will assist the company with maintaining and ensuring compliance with Federal and State regulations companywide. The Senior Manager, Compliance reports to the Director of Compliance, and is responsible for facilitating a risk-based, company-wide compliance monitoring program. The Senior Manager, Compliance will provide oversight to team members regarding the completion of day-to-day compliance and will assist with the development, design and implementation of policies and procedures required to maintain acceptable levels of regulatory compliance. Additionally, the Senior Manager, Compliance is responsible for overseeing fair lending regulations and regulatory reporting (including FCRA, ECOA, HMDA), and providing  support on other miscellaneous projects.

Responsibilities:

• Provide day-to-day compliance support to cross-functional partners to address compliance risks and identify areas of improvement  Assist with regulatory reporting and external audits, including by providing guidance on implementation of regulatory requirements to meet reporting obligations 
• Research and respond to customer complaints, and manage the overall compliance customer complaint process
• Approve/deny ECOA extension requests and build our extension request process
• Oversee and/or conduct ongoing monitoring and testing related to mortgage lending
• Administer compliance training program for all employees, and deliver training to applicable departments as necessary
• Maintain existing policies and procedures and draft new policies and procedures as necessary
• Review marketing materials and emails to ensure compliance with applicable laws and regulations, including Fair Lending and UDAAP concerns
• Drive corrective action process as needed, including collaborating across business units to resolve and document issues
• Solid grasp of the BSA and other laws and regulations applicable to financial services companies
• Work cross-functionally to gain a deeper understanding of other teams' processes and the impact of policy on their businesses

Qualifications:

• Bachelor’s degree required
• 3-5 years of mortgage compliance experience 
• Demonstrated knowledge and application of laws and regulations such as ECOA, FCRA, BSA/AML, UDAAP, and HMDA
• Ability to build technical processes and work with cross functional partners to provide compliance related requirements
• Professional certifications such as Certified Regulatory Compliance Manager (CRCM) a plus

Benefits and Perks 

• Product Ownership: All employees think like an owner because all employees own equity in the company and play a critical role in making our business great.
• Health Insurance: Our medical, dental, and vision plans are completely free for employee-only coverage, and the company pays 80% of the total premium for dependents.
• Whole-Person Wellness: Anyone can schedule no-cost unlimited virtual therapy sessions, use a monthly subsidy for fitness facilities, and access reimbursements for fertility services.
• Carrot: The leading global fertility benefits provider, built to support employees through their lifelong fertility healthcare journey.
• Retirement Savings. Employees who participate in our “no fee” 401(k) receive an immediately-vested employer match on 100% of contributions up to 3% of compensation. 
• Career Growth: We foster an environment that encourages opportunities to use your voice, do better for our customers and each other, and support your career journey.
• Flexible Time Off: With no cap on the number of days of PTO each year, employees are encouraged to enjoy a well-rounded lifestyle with work, travel, and family.
• Paid Leaves: You’re immediately eligible for up to 12 weeks of paid leave each year to bond with a new child (mothers & fathers) and up to 8 weeks for medical or caregiver leave so you come back ready to deliver high-impact results.
• Remote-First: We win together while still being fully remote, and each employee receives a stipend for their home office setup and a monthly allowance to help with the cost of internet/phone.

Kiavi in the News:

• Forbes: The Future Of Real Estate: Fintech 50 2019 and Real Estate on a Threshold of a “Moneyball” Moment
• HousingWire:  2019 HW Tech100 Winner: LendingHome
• Pittsburgh Business Times: Voted a “2019 Best Places to Work” and won first runner-up in large company category
• Mortgage Professional America: LendingHome surpasses $5 billion in loans in five years
• Pittsburgh Business Times: San Francisco fintech aggressively expands, looks to hire in Pittsburgh
• Curbed: How Wall Street, Silicon Valley Institutionalized Home Flipping