Compliance and Risk Manager- Housing Trust of Silicon Valley

Oversee compliance with federal, state, and local regulations applicable to both multifamily and single-family lending programs, including but not limited to Fair Housing Act, ECOA, TILA, RESPA (as applicable), and other consumer and housing-related requirements.
• Apply a risk-based approach to compliance oversight, recognizing differences in regulatory complexity, volume, and risk between multifamily and single-family lending activities.
• Maintain and update compliance policies, procedures, and internal guidance in response to regulatory changes and industry best practices.
• Lead the organization's fair lending and fair housing compliance efforts, including periodic data monitoring, comparative reviews, and analysis of trends, exceptions, or emerging risks across lending programs.
• Support consistent and equitable credit decision-making by documenting standards and coordinating staff training on fair lending, fair housing, and compliance requirements.
• Serve as an internal subject-matter resource for regulatory and compliance-related questions across lending teams. Utilize existing external resources as needed.

• Maintain the organization's NMLS profile and ensure timely completion of state lending license renewals, updates, and related business registrations.
• Lead HUD certification and recertification processes, coordinating data collection and documentation across departments.
• Support compliance with securities regulations (including Regulation D offerings, when applicable) in coordination with legal counsel, ensuring required filings and investor disclosures are maintained.

Examinations, Audits & External Reviews

• Coordinate and manage regulatory exams, monitoring visits, and external reviews, including DFPI inquiries, HUD reviews, FHLB and CDFI Fund monitoring, and other applicable oversight activities.
• Maintain examination-readiness documentation, including policies, procedures, historical records, and issue tracking.
• Oversee external consultants performing internal audits or compliance reviews and support remediation planning as needed.

• Conduct periodic operational and compliance risk assessments and support the development and monitoring of risk mitigation plans.
• Support the design and strengthening of internal controls related to lending, operational, and financial processes.
• Monitor the organization's Anti-Money Laundering (AML) compliance program, including policy maintenance, periodic testing, training coordination, and required recordkeeping.
• Support data privacy and information security compliance, including GLBA and applicable state privacy laws, in coordination with IT and operations.
• Participate in business continuity planning and vendor risk management activities.

• Develop and deliver (or resource outside services to deliver) compliance and risk training for staff, including onboarding and annual required training.
• Prepare periodic compliance and risk reports for internal leadership, senior management, and external stakeholders as needed.
• Partner cross-functionally to support workflow improvements, documentation standards, and appropriate use of tools or automation to enhance compliance efficiency.

• Bachelor's degree required; advanced degree or relevant certifications (e.g., CRCM, CAMS, CFE, or similar) preferred.
• 7-10 years of progressive experience in compliance, risk management, audit, or regulatory oversight within lending, banking, CDFIs, or other financial services organizations.
• Demonstrated experience with multifamily lending compliance, including fair housing, underwriting oversight, and regulatory examinations; experience with single-family or consumer lending compliance strongly preferred.
• Experience managing regulatory exams, audits, or monitoring visits across multiple lending programs.
• Experience designing and performing monitoring and testing activities.
• Working knowledge of AML, data privacy, and operational risk management frameworks.
• Ability to operate effectively in environments where no single individual is an expert in every regulatory domain, leveraging judgment, prioritization, and external resources as needed.
• Strong analytical, organizational, and documentation skills with the ability to manage multiple regulatory domains.
• Excellent communication skills and the ability to collaborate effectively across departments and with external partners.

• Medical, dental, and vision coverage fully paid for employees, with 50% of premiums covered for eligible dependents
• Employer-funded 401(k) contribution of 3%, plus an additional employer match of up to 2%
• Generous paid time off, including three weeks of vacation, twelve paid sick days, eleven paid holidays, and a paid year-end office shutdown
• Eligibility for an annual performance-based bonus
• Tuition reimbursement program and additional benefits

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