The Role
Review and approve mortgage advertising and marketing materials for compliance with TILA/Reg Z, MAP Rule/Reg N, and UDAP/UDAAP across print, web, social, and third-party channels; maintain records, track trends, support audits, and provide training and policy updates.
Summary Generated by Built In
The Compliance Analyst is a dedicated marketing-compliance role responsible for reviewing and approving advertising and promotional content produced by the company and its loan officers. The Analyst ensures that all consumer-facing materials, websites, and digital channels comply with federal and state mortgage advertising laws, with primary emphasis on the Truth in Lending Act (TILA / Regulation Z advertising provisions) and the Mortgage Acts and Practices – Advertising Rule (the “MAP Rule” / Regulation N). This individual serves as a front-line gatekeeper, balancing fast turnaround for a high-volume sales force against rigorous, documented compliance review.
Key Responsibilities
Advertising & Marketing Review
- Review, redline, and approve marketing and advertising materials submitted by loan officers, branches, and corporate marketing, including flyers, mailers, rate sheets, open-house collateral, presentations, and co-branded materials.
- Evaluate all triggered-term advertising for required disclosures under TILA / Regulation Z §1026.24 (e.g., APR, payment, term, and rate disclosures), ensuring clear and conspicuous presentation.
- Screen content for prohibited, deceptive, or misleading representations under the MAP Rule (Regulation N, 12 CFR Part 1014), including claims about rates, payments, government affiliation, FHA/VA programs, and “too good to be true” offers.
- Confirm proper use of company NMLS ID, individual LO NMLS IDs, Equal Housing Lender language, licensing footers, and required state-specific advertising disclosures.
Website & Digital Channel Compliance
- Audit company and loan-officer websites, landing pages, and microsites for accurate licensing disclosures, disclaimers, and compliant rate/payment presentations.
- Review social media posts, paid digital ads, email campaigns, video, and text/SMS marketing for advertising-rule compliance across all channels.
- Monitor third-party lead-generation, listing-site profiles, and co-marketing arrangements for compliance with advertising rules and RESPA Section 8 marketing-services considerations.
Recordkeeping, Reporting & Program Support
- Maintain advertising review logs and retain commercial communications consistent with MAP Rule recordkeeping requirements (24-month retention) and company policy.
- Track review turnaround times, recurring deficiencies, and approval status; report trends and risk areas to the Chief Compliance Officer.
- Assist with updates to advertising policies, disclosure libraries, and pre-approved template language as regulations and guidance evolve.
- Deliver targeted training and feedback to loan officers and marketing staff on common advertising violations and best practices.
- Support regulatory examinations, audits, and investor/agency reviews by compiling advertising documentation and responding to findings.
Skills, Knowledge and Expertise
- Bachelor’s degree in business, finance, communications, paralegal studies, or a related field — or equivalent mortgage-industry experience.
- 2+ years of experience in mortgage compliance, marketing review, QC, or a closely related regulatory role at a lender, bank, or BPO.
- Working knowledge of TILA / Regulation Z advertising rules, the MAP Rule / Regulation N, and the UDAP/UDAAP framework.
- Strong attention to detail with the ability to spot missing disclosures, triggered terms, and misleading claims quickly and consistently.
- Excellent written communication skills for redlining, drafting compliant language, and documenting review rationale.
Preferred Qualifications
- Familiarity with RESPA Section 8 (co-marketing / MSAs), the SAFE Act, ECOA/Reg B, and state advertising and licensing requirements.
- Experience with NMLS, advertising-review workflow tools, or marketing-approval platforms.
- Industry certification (e.g., NAMB/MBA compliance coursework, CRCM, or similar) a plus.
Core Competencies
- Regulatory judgment & risk awareness
- High-volume, deadline-driven throughput
- Precision and consistency
- Diplomatic, clear stakeholder communication
- Sound documentation discipline
- Adaptability to changing rules & guidance
Benefits
- Above market salary
- HMO on Day 1 for principal and two dependents
- Government-mandated benefits
- Performance-based Incentives
- Quarterly Company Events
- 1,000 PHP De Minimis
- Equipment and software provided
About
NightOwl Consulting was born from the desire for more! As prior clients of a BPO, we found ourselves struggling with support, understanding of our business industry, and the treatment of our global family… from this, NightOwl Consulting was born. Our mission is to connect companies with world-class talent with the overall vision to build a global family that aspires to reach its highest potential.
Skills Required
- Bachelor's degree in business, finance, communications, paralegal studies, or related field, or equivalent mortgage-industry experience
- 2+ years of experience in mortgage compliance, marketing review, QC, or a closely related regulatory role at a lender, bank, or BPO
- Working knowledge of TILA / Regulation Z advertising rules, MAP Rule / Regulation N, and UDAP/UDAAP framework
- Strong attention to detail and ability to identify missing disclosures, triggered terms, and misleading claims
- Excellent written communication skills for redlining, drafting compliant language, and documenting review rationale
- Familiarity with RESPA Section 8, the SAFE Act, ECOA/Reg B, and state advertising and licensing requirements
- Experience with NMLS, advertising-review workflow tools, or marketing-approval platforms
- Industry certification (e.g., NAMB/MBA compliance coursework, CRCM, or similar)
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The Company
What We Do
NightOwl Consulting helps businesses and people realize new possibilities by connecting companies with world-class talent and building a global family that aspires to reach its highest potential.
