Mortgage Compliance Officer

Eighty years in, BankSouth is stronger than ever. What started as a single community bank has grown into a trusted name across Georgia — and our mortgage operation is expanding right alongside it. We're looking for a Compliance Officer who shares our commitment to doing things the right way and is ready to lead at a company where that commitment isn't just a tagline — it's how we've lasted eight decades.

WHY THIS ROLE

This isn't a box-checking compliance job. As the day-to-day leader of BankSouth Mortgage's compliance program, you'll have a meaningful impact — shaping policy, advising senior leadership, presenting to the Board, and building a compliance culture across a fast-moving mortgage operation.

You'll operate independently under a risk-based approach, report directly to the Chief Compliance and Risk Officer, chair the Mortgage Compliance Committee, and manage a team alongside the Compliance Manager. If you want a role where your judgment matters and your work is visible at every level of the organization, this is it.

WHAT YOU'LL DO

Compliance Management System

• Build, maintain, and evolve CMS policies and procedures to prevent illegal, unethical, or improper conduct.
• Run day-to-day CMS operations — continuously monitor performance and drive improvements in efficiency and effectiveness.
• Proactively identify compliance vulnerabilities and risks; develop corrective action plans, report testing results to senior management, and provide compliance risk guidance.
• Conduct annual compliance and fair lending risk assessments to evaluate the organization's risk profile and prioritize activities.

Board & Executive Reporting

• Deliver regular and ad hoc reports to the Board, Chief Compliance and Risk Officer, and senior management on compliance operations and progress.

Fair Lending & HMDA

• Monitor business processes and HMDA data to identify fair lending issues; recommend changes to programs and processes as needed.
• Coordinate fair lending analyses using nContracts and other tools.
• Manage the full HMDA lifecycle — system setup, file testing, corrections, and timely filing. Oversee quarterly data reviews, investigate discrepancies, and implement LOS enhancements to improve data integrity.
• Oversee underwriting exception monitoring for proper tracking, trend identification, and fair lending implications.

Marketing Compliance

• Serve as the subject matter expert on compliance for all marketing channels — social media, email, website, print, and co-marketing.
• Review marketing content for accuracy, clarity, and required disclaimers.
• Ensure compliance with UDAAP, TILA, RESPA, CAN-SPAM, Fair Lending, Privacy, and FCRA in all marketing and advertising.
• Oversee LEP advertising, joint marketing, and lead purchase compliance.
• Manage compliance oversight of Marketing Services Agreements (MSAs), including valuations, terms, training, and exception requests.

Fraud & Suspicious Activity

• Serve as the mortgage company's point person for suspicious activity reviews; conduct initial reviews and escalate to the BSA Officer.
• Stay current on fraud trends and proactively train staff.
• Oversee OFAC, Exclusionary List, and identity verification procedures.

Training

• Manage the compliance training program: set the annual calendar based on risk and regulatory requirements, create and evaluate content, and enforce completion deadlines.
• Coordinate with HR and the training department to ensure effective onboarding and ongoing training for all employees and managers.

Audits & Regulatory Exams

• Serve as the primary contact for regulators and auditors; coordinate documentation gathering and fulfillment of all requests.
• Develop action plans in response to findings, oversee implementation, and report remediation progress to the Audit Committee.

Committee Leadership & Participation

• Chair the BankSouth Mortgage Compliance Committee, including agenda and minutes preparation.
• Serve on the CRA Committee, Secondary Marketing Risk Management Committee, and New Products Committee.
• Participate in Quality Control meetings to review compliance defects and identify systemic issues requiring corrective action.
• Lead compliance evaluation of all new products and initiatives — assess impacts on system configuration, disclosures, workflows, and risk assessments.

People Management

• Manage, evaluate, train, and retain Compliance department personnel; share oversight of two direct reports.
• Regularly assess department needs and staff effectiveness.

Additional Responsibilities

• Serve as the go-to resource for employee compliance questions — disclosures (TRID, e-sign, borrower-facing documents), regulatory interpretation, and day-to-day guidance.
• Partner with management across the organization to guide compliance policy decisions; collaborate cross-departmentally to address and resolve issues.
• Oversee complaint management — ensure timely responses, review logs for completeness, and personally handle fair lending, compliance, and high-risk complaints.
• Ensure loan originator compensation procedures comply with regulations, including drafting/reviewing compensation agreement language and advising on permissible structures. Coordinate with legal counsel as needed.
• Oversee CRA services data collection for the mortgage company.
• Conduct or coordinate reviews to monitor compliance.
• Perform other duties as assigned.

WHAT YOU BRING

Experience & Education

• Bachelor's degree or equivalent, plus relevant mortgage industry experience.
• Minimum 5 years of compliance experience with at least 2 years in mortgage lending — OR — minimum 5 years of mortgage banking experience with at least 2 years in a compliance role.
• Compliance certification preferred: CRCM, CCBCO, or CMCP.

Technical Skills

• Encompass LOS — Proficient in navigation, custom pipelines/reports, eFolder, and resolving compliance-related LOS issues (points & fees calculations, Mavent results).
• Microsoft Excel — Advanced skills including formulas, filtering, VLOOKUPs, and charts for data analysis.
• AI Proficiency — Ability to leverage AI tools strategically to improve efficiency, streamline workflows, and enhance compliance work product.
• Systems & Technology — High-level understanding of how data flows between platforms and how system configurations impact compliance outcomes.
• Adaptability — Demonstrated ability to quickly learn new software, systems, and technologies.
• Marketing Platforms — Familiarity with social media, email marketing tools, and digital channels used by loan officers.

Regulatory Expertise

• Strong understanding of how CMS components — policies, training, monitoring, complaints, and audit coordination — work together as an integrated program.
• TRID (TILA-RESPA Integrated Disclosure)
• ECOA / Fair Lending
• HMDA
• HOEPA / HPML
• RESPA
• SAFE Act
• Flood Insurance
• Privacy (GLBA)
• ATR / Qualified Mortgage
• CRA
• UDAAP
• CAN-SPAM
• FCRA
• Mortgage Servicing Rules

Leadership & Professional Skills

• Proven leadership in a fast-paced, deadline-driven environment with the ability to juggle multiple priorities based on risk and urgency.
• Thorough understanding of mortgage banking processes, controls, and operations.
• Openness to rethinking existing processes and a creative approach to building more efficient compliance workflows.
• Proven ability to lead projects and initiatives to planned results.

WHO YOU ARE

• Independent & Principled — You provide objective compliance guidance with conviction, even when it challenges the desired outcome. You approach every situation as a problem-solver, finding compliant paths forward while setting firm boundaries when necessary.
• An Exceptional Communicator — You tailor your message to the audience, from Board presentations to hallway conversations with loan officers. You know when a high-level summary works and when the details matter.
• A Natural Teacher — You translate complex regulations into practical, understandable guidance and build training that drives real behavioral change.
• Collaborative & Diplomatic — You work effectively with regulators, auditors, senior leadership, and staff across all departments with courtesy, tact, and professionalism.
• Discreet — You handle confidential matters — suspicious activity reviews, complaints, personnel issues — with the highest level of discretion.

WORK ENVIRONMENT & REQUIREMENTS

• Primarily sedentary work in a climate-controlled office with moderate noise; occasional lifting up to 25 lbs.
• Routine computer work averaging 6–8 hours per day; standard office equipment use.
• Extended hours as required by management.
• Must work independently and as part of a team, managing multiple priorities with composure under deadline pressure.
• Must deal professionally with diverse personalities at all levels inside and outside the organization.

WHY YOU WILL LOVE IT HERE

BankSouth doesn't just talk about taking care of people — we prove it. Our team enjoys 100% company-paid healthcare, a generous PTO plan, competitive compensation and incentives, and yes, free lunch on Fridays. But what keeps people here is the culture: a place where your work matters, your voice is heard, and your growth is invested in.

Ready to see what 80 years of doing things right looks like from the inside? Apply today at BankSouth.com.