HMDA Oversight Manager

Job Title:

HMDA Oversight Manager

Location:

TX - Dallas/Irving

What you'll do:

As a HMDA Oversight Manager, you'll be responsible for leading and managing the Home Mortgage Disclosure Act (HMDA) compliance program across both Retail and Correspondent Lending channels. You'll need to ensure accurate data collection, validation, and reporting in accordance with Regulation C, while driving operational excellence, risk mitigation, and regulatory adherence.

Lead the HMDA Compliance Management Program, ensuring it is robust, sustainable, and aligned with regulatory expectations.  Oversee the design and execution of HMDA data integrity audits, including source document testing and reconciliation across Encompass and Magnus systems.  Manage the lifecycle of HMDA Loan Application Registers (LARs), including quarterly reviews, manual corrections, and year-end filings.  Coordinate with Legal, Strategy, and Governance teams to interpret regulatory changes and implement necessary updates.

• Supervise monthly and quarterly HMDA data integrity testing, including validity and quality error identification, spot audits, and remediation tracking.  Ensure discrepancies between source documentation and system data are resolved within required timelines.  Maintain and enhance HMDA-specific reports (e.g., AUS, CLTV, Credit Score, DTI, Rate Spread, Denial Reasons) for proactive error detection.  Partner with Retail Lending, Correspondent Operations, Compliance SMEs, and Technology teams to ensure consistent data standards and procedural alignment.
• Facilitate working sessions to resolve field-level challenges, define future-state processes, and finalize business requirements for system enhancements.  Engage with external vendors (e.g., ICE, QuestSoft) for data extraction, validation, and reprocessing efforts.  Coordinate annual HMDA training for all relevant employees, including Board-level awareness.
• Collaborate with Training & Development to update procedures and deploy training tied to identified process gaps.  Prepare and present audit findings, remediation status, and compliance metrics to executive leadership and regulatory entities.  Maintain documentation for internal audit and regulatory review, including evidence of training, attendance, and procedural updates.
• Lead and develop a team; responsible for hiring, coaching, performance management, training and development.

What you'll need:

• 5+ years of related experience in Mortgage Compliance, HMDA Regulations and Reporting or similar field.
• Bachelor's degree in related field required; Masters or MBA in related field preferred.
• Intermediate to advanced knowledge of residential mortgage industry in Correspondent or Retail Lending, including sales, operations, capital markets and/or other residential mortgage products and services.
• Intermediate to advanced knowledge of applicable federal and state regulatory and legal compliance obligations, rules and regulations, industry standards and practices, including TRID, ECOA, HMDA, FCRA, Flood, HOEPA, HPML, Appraisal, ATR/QM, TCPA, UDAAP, and Fair Lending.
• Intermediate knowledge of Encompass and related loan origination systems.
• Advanced analytical, communication, and project management skills.
• Advanced speaking and writing communication skills.
• Certified Regulatory Compliance Manager preferred.
• Certified Anti-Money Laundering Specialist preferred.

Benefits you’ll love:

We offer all the important things you'd want — like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you’ll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!

About the company:

AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC.  

Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email [email protected] or call 602-386-2488.  When contacting us, please provide your contact information and state the nature of your accessibility issue.  We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.

© Western Alliance Bancorporation