Marketing Compliance Analyst

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

Originally posted on Himalayas