About Opendoor
At 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 role
Opendoor 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 do
- Own and administer the Compliance Management System (CMS) for the mortgage operation, including policy development, training programs, and complaint management
- Manage multi-state NMLS licensing for both the entity and individual loan originators, including new applications, amendments, renewals, and surety bond management across 47+ states
- Prepare and submit regulatory filings, including HMDA LAR submissions, NMLS Mortgage Call Reports (MCR), and state-specific periodic reports
- Resolve day-to-day loan-level compliance issues in a fast-paced origination environment, providing clear and actionable guidance to the operations team
- Lead preparation for and manage regulatory examinations, from document gathering through remediation of findings
- Track and implement regulatory changes affecting mortgage origination operations, ensuring the business adapts to new requirements proactively
- Manage BSA/AML compliance program requirements, including SAR and CTR filing obligations; serve as AML Compliance Officer
- Support 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 guardrails
What you'll need
- Mortgage compliance experience at a non-bank lender, mortgage company, or state/federal regulatory agency
- Expert-level knowledge of multi-state NMLS licensing for both entities and individuals, including applications, renewals, amendments, and surety bond management
- Hands-on experience preparing and submitting HMDA LAR filings, NMLS Mortgage Call Reports, and state-specific regulatory reports
- Strong understanding of the end-to-end mortgage origination process
- Demonstrated ability to manage a Compliance Management System (CMS), including policy maintenance, training programs, and complaint management
- Track record of managing state and federal (CFPB) regulatory examinations from preparation through remediation
- Working knowledge of BSA/AML compliance program requirements, including SAR and CTR filing obligations
- Experience resolving loan-level compliance issues in a high-volume origination environment
- Comfort using AI tools and modern technology to support and enhance compliance workflows; willingness to operate in a tech-forward, non-traditional mortgage environment
- Strong communication skills with the ability to explain regulatory requirements clearly to business stakeholders and find workable solutions within compliance guardrails
- Bachelor's degree in business, law, or related field
Bonus points
- Experience at a nationwide non-bank lender licensed in 30+ states
- Familiarity with title and escrow compliance and licensing requirements
- Experience identifying, tracking, and implementing regulatory changes across multiple jurisdictions
- Prior experience standing up or significantly building out a compliance function at a mortgage company
- Experience working in a startup, high-growth, or technology-driven lending environment
Location
This 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.
Skills Required
- Mortgage compliance experience at a non-bank lender, mortgage company, or state/federal regulatory agency
- Expert-level knowledge of multi-state NMLS licensing for entities and individual loan originators (applications, renewals, amendments, surety bond management)
- Hands-on experience preparing and submitting HMDA LAR filings, NMLS Mortgage Call Reports (MCR), and state-specific regulatory reports
- Strong understanding of the end-to-end mortgage origination process
- Demonstrated ability to manage a Compliance Management System (CMS), including policy maintenance, training programs, and complaint management
- Track record of managing state and federal (CFPB) regulatory examinations from preparation through remediation
- Working knowledge of BSA/AML compliance program requirements, including SAR and CTR filing obligations
- Experience resolving loan-level compliance issues in a high-volume origination environment
- Comfort using AI tools and modern technology to support and enhance compliance workflows
- Strong communication skills with ability to explain regulatory requirements to business stakeholders
- Bachelor's degree in business, law, or related field
- Familiarity with title and escrow compliance and licensing requirements
- Experience at a nationwide non-bank lender licensed in 30+ states
- Experience standing up or significantly building out a compliance function at a mortgage company
- Experience working in a startup, high-growth, or technology-driven lending environment
What the Team is Saying
Opendoor Compensation & Benefits Highlights
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Healthcare Strength — Healthcare coverage is described as comprehensive, including medical, dental, vision, mental‑health resources, and HSA/FSA options. Job postings and employer-verified benefits pages consistently highlight these offerings, suggesting strong core health protection.
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Leave & Time Off Breadth — Time off is presented as flexible, with PTO or unlimited vacation in some roles, paid holidays, and generous parental leave. Third-party summaries and company materials also note paid volunteer time, indicating breadth beyond standard leave.
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Equity Value & Accessibility — Equity participation is a common part of total compensation, with RSUs/equity grants and an ESPP available to eligible employees. Public filings and job listings emphasize access to stock programs alongside base pay.
Opendoor Insights
What We Do
Founded in 2014, Opendoor’s mission is to empower everyone with the freedom to move. We believe the traditional real estate process is broken and confusing. It often comes with unexpected costs, the added burden of coordinating multiple third parties and the uncertainty of a transaction falling through. Our goal is simple: build a digital, end-to-end customer experience that makes buying and selling a home simple, certain and fast. We have assembled a dedicated team with diverse backgrounds and talents across engineering, operations, design, operations, mortgage, finance, legal, and more to deliver strong results. More than 85,000 customers have selected us as a trusted partner in handling one of their largest financial transactions.
Why Work With Us
We’re on a mission to power life’s progress one move at a time
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Employees engage in a combination of remote and on-site work.
