About the role
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.
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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.