Emporium TPO

Compliance Specialist, Monitoring and Testing

Position

Compliance Specialist, Monitoring and Testing

Reports To: Chief Compliance Officer

About Emporium TPO: Emporium is a new wholesale origination platform that is dedicated to servicing professional mortgage brokers and non-delegated correspondent lenders. Our aspirations at Emporium are simple: build a team of talented individuals with shared values who think and behave like owners, create a culture that is focused on exceptional customer service and deliver quality products and returns to stakeholders. Come join us!

Role Summary: 

The Compliance Specialist, Licensing is part of the compliance team and manages the entire licensing process from beginning to end for our corporate, branch, and MLO licenses. You will be responsible for ensuring timely renewals, submissions, state-required reporting, continuing CE completion, implementing state licensing requirements, and assisting with regulatory examinations. You will be responsible for overseeing MLO compensation agreements and payout compliance in collaboration with Legal, HR, and Finance.

Our ideal candidate is a personable, adaptable, organized, decisive, and analytical individual. To be successful in this role, you'll need to possess excellent communication skills, acute attention to detail, and work effectively with a challenging workload, multiple priorities, and tight deadlines.

RESPONSIBILITIES

  • Manage company, branch, and MLO license filings and reporting through NMLS and state portals.
  • Communicate directly with the state licensing departments to facilitate the licensing process, including the resolution of any licensing issues.
  • Ensure all MLOs maintain current and compliant licenses, including completion of continuing education and reporting.
  • Monitor licenses for approval, suspension, or rejection and notify the appropriate business owner.
  • Maintain accurate retail compensation agreements based on MLOs approved comp plan, production tiers, and pricing structures.
  • Maintain version control and a centralized repository of current and historical MLO comp agreements, tracking effective dates, amendments, and renewals.
  • Coordinate with Payroll to ensure agreement terms translate correctly into pay calculations and deduction/draw structures.
  • Support onboarding and offboarding of MLOs.
  • Coordinate with Legal, HR, and business representatives for agreement updates or changes.
  • Participate in the LO Compensation committee with Compliance Directors, HR, Legal, and management.
  • Respond to licensing inquiries from MLOs, managers, payroll, auditors, or examiners related to licensing and compensation compliance.
  • Create periodic audits of MLO compensation for regulatory compliance and internal policy adherence.
  • Prioritize and complete licensing tasks by state-imposed licensing deadlines.
  • Create and deliver periodic reports on licensing status.
  • Maintain knowledge of applicable regulations, industry trends, and internal processes and controls within scope of responsibility.

reQUIREMENTS

  • Minimum of 3 years of retail mortgage licensing experience, with direct exposure to MLOs.

  • Working knowledge of Regulation Z Loan Originator Compensation requirements.

  • Excellent attention to detail and ability to manage confidential compensation data.

  • Familiarity with investor/agency compensation guidelines (Fannie Mae, Freddie Mac, Ginnie Mae) as they relate to LO pay.

  • Excellent communication and problem-solving skills.

  • Strong organizational skills and attention to detail, especially in compliance and documentation.

  • Ability to work cross-functionally in a fast-paced, high-volume environment while maintaining attention to detail and regulatory accuracy.

  • Foster a culture of compliance awareness, collaboration, and continuous improvement throughout the company.Proficient with Microsoft Word, Excel, and PowerPoint required; experience with Teams helpful.

     

     

Preferred Qualifications:

  • Experience with NMLS and state licensing sites/reports
  • Familiarity with mortgage fintech platforms, RegTech tools, and automated compliance solutions.

Physical Requirements:

  • Regular, timely attendance during assigned work hours.

 

If you do not meet all of the requirements listed in this job description, we still encourage you to apply! We carefully review every application and consider all projects, education and certifications in addition to professional experience.

Why Join Us?

We’re committed to creating an environment where our team can thrive, both professionally and personally. Here’s what you can expect when you join our organization:

Comprehensive Benefits from Day One

  • A range of medical, dental, and vision plan options to meet your needs
  • Company-paid life insurance, short-term, and long-term disability coverage
  • Access to an Employee Assistance Program offering confidential support for personal, work-life, and everyday needs

Work-Life Integration That Works

  • 9 company-recognized holidays
  • Generous PTO and sick time
  • Paid time off to vote
  • Paid parental leave and bereavement leave

Growth & Development

  • Ongoing learning opportunities, from technical skills to leadership development
  • Tuition reimbursement to support your continued education
  • A collaborative culture that prioritizes internal growth and career mobility

Financial Well-Being

  • 401(k) plan to help you plan confidently for the future

Culture & Connection

  • Team-building events, company outings, and virtual gatherings that foster connection
  • A workplace that values collaboration, recognition, and a sense of belonging

Emporium is an equal opportunity employer. At Emporium, we are committed to treating all Applicants and Associates fairly based on their abilities, achievements, and experience without regard to race, national origin, sex, age, disability, veteran status, sexual orientation, gender identity, or any other classification protected by law.

All offers of employment are contingent upon the successful completion of a background check in accordance with company policy and applicable laws.


Please Note: This position is being managed directly by our internal recruiting team. We are not accepting unsolicited resumes or candidate submissions from recruiting agencies, staffing firms, or third-party recruiters.

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