Compliance Manager, Mortgage

About OpendoorAt Opendoor our mission is to tilt the world in favor of homeowners and those who aim to become one. Homeownership matters. It's how people build wealth, stability, and community. It's how families put down roots, how neighborhoods strengthen, how the future gets built. We're building the modern system of homeownership giving people the freedom to buy and sell on their own terms. We’ve built an end-to-end online experience that has already helped thousands of people and we’re just getting started.About the roleOpendoor is in the process of standing up a new mortgage lending business and we need a Compliance Manager to own regulatory compliance across our multi-state mortgage operation. This is a foundational hire: you will be responsible for helping build and manage the compliance infrastructure from the ground up.You will report into the Legal team and work closely with mortgage operations, licensing, and business leadership to ensure we meet regulatory requirements and stay within regulatory guardrails while supporting a technology-forward lending platform. We're building something new, and we need someone who can apply strong regulatory judgment in a fast-moving, evolving environment.What you'll doOwn and administer the Compliance Management System (CMS) for the mortgage operation, including policy development, training programs, and complaint managementManage multi-state NMLS licensing for both the entity and individual loan originators, including new applications, amendments, renewals, and surety bond management across 47+ statesPrepare and submit regulatory filings, including HMDA LAR submissions, NMLS Mortgage Call Reports (MCR), and state-specific periodic reportsResolve day-to-day loan-level compliance issues in a fast-paced origination environment, providing clear and actionable guidance to the operations teamLead preparation for and manage regulatory examinations, from document gathering through remediation of findingsTrack and implement regulatory changes affecting mortgage origination operations, ensuring the business adapts to new requirements proactivelyManage BSA/AML compliance program requirements, including SAR and CTR filing obligations; serve as AML Compliance OfficerSupport compliance needs related to title and escrow operations as the business scales (training and support will be provided; prior title/escrow experience is not required)Partner with legal, operations, and technology teams to find creative, compliant solutions that enable the business to move quickly within regulatory guardrailsWhat you'll needMortgage compliance experience at a non-bank lender, mortgage company, or state/federal regulatory agencyExpert-level knowledge of multi-state NMLS licensing for both entities and individuals, including applications, renewals, amendments, and surety bond managementHands-on experience preparing and submitting HMDA LAR filings, NMLS Mortgage Call Reports, and state-specific regulatory reportsStrong understanding of the end-to-end mortgage origination processDemonstrated ability to manage a Compliance Management System (CMS), including policy maintenance, training programs, and complaint managementTrack record of managing state and federal (CFPB) regulatory examinations from preparation through remediationWorking knowledge of BSA/AML compliance program requirements, including SAR and CTR filing obligationsExperience resolving loan-level compliance issues in a high-volume origination environmentComfort using AI tools and modern technology to support and enhance compliance workflows; willingness to operate in a tech-forward, non-traditional mortgage environmentStrong communication skills with the ability to explain regulatory requirements clearly to business stakeholders and find workable solutions within compliance guardrailsBachelor's degree in business, law, or related fieldBonus pointsExperience at a nationwide non-bank lender licensed in 30+ statesFamiliarity with title and escrow compliance and licensing requirementsExperience identifying, tracking, and implementing regulatory changes across multiple jurisdictionsPrior experience standing up or significantly building out a compliance function at a mortgage companyExperience working in a startup, high-growth, or technology-driven lending environmentLocationThis role is based in one of our offices, in-person four days per week. We're looking for candidates who are enthusiastic about an in-office culture; people who want to build alongside their teammates, not from a distance. #LI-RS1