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Compliance Specialist - TRID

Compliance Specialist - TRID

Job ID 
Job Locations 
US-CA-San Diego
Job Type 
Regular Full-Time
Governance, Risk and Compliance

More information about this job


BofI Federal Bank [NASDAQ: BOFI] with approximately $8.5 billion in assets, is one of the fastest growing banks in the nation and rated top 5 of online banks in the country!


We are seeking a Quality Assurance - Lending to be responsible for daily monitoring of FDPA and TRID, and all upcoming and recently effective regulatory topics.  The Quality Assurance - Lending reviews loan files, understands TRID and FDPA, ECOA, FCRA, HMDA, and all other compliance guidelines:

  • Develop and conduct scheduled loan level documentation audits on SFR and multi-family loans through focused and random sample basis
  • Prepares written reports detailing findings and recommendations
  • Works collaboratively with business units to ensure compliance with regulatory requirements and action steps
  • Participates in the continual review and improvement of compliance oversight programs for lending products offered by the Bank
  • Consistently coordinates ideas and recommendations for enhancement of areas which cover lending products
  • Conducts monitoring processes and company-wide compliance training covering high risk activities
  • Participates in development and refinement of activities to enhance the Bank's FDPA & TRID program
  • Training may be provided live, via internet based Reg U (FIS), or web sessions
  • Analyze, summarize, and communicate current regulatory and organizational compliance developments
  • Consults with legal counsel, regulatory agencies, vendors and compliance organizations, as required
  • Supports Bank's efforts on all compliance audits and OCC examinations
  • Participates in scorecard reviews specific to regulatory trending

Key Skill Sets or Knowledge Requirements:


  • Strong knowledge of all lending related regulations to include TRID and FDPA
  • Must be flexible, able to work on multiple projects which may require restructuring due to shifting and competing priorities
  • Ability to identify and define problems with documentation, loan origination systems, internal processes and procedures; research and analyze information and various circumstances relating to data management
  • Must be able to recommend alternatives or solutions
  • Strong verbal and written communication skills to include presentation skills
  • Ability to work independently
  • Critical thinking
  • Proficient use of Microsoft Windows and network environments

Desired Career Experience & Education Requirements:

  • Over 5 years working experience in banking/mortgage banking/audit/regulatory compliance
  • Experience at loan level documentation review
  • Some supervisory experience

  • Ability to read proposed and finalized regulations and assess the impact on the Bank

  • Mid- or large- company experience


  • Bachelor's degree in business or related area, or equivalent business experience

  • Certifications from the American Bankers Association or equivalent organizations

Job Functions and Work Environment:


While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.


The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.


Equal Employment Opportunity


BofI Federal Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex , gender identity and expression, sexual orientation, national origin, ancestry, citizenship status, uniform service member and veteran status, marital status, pregnancy, age, protected medical condition, genetic information, disability, or any other protected status in accordance with all applicable federal, state and local laws. Candidates must possess authorization to work in the United States.