Mortgage Compliance Analyst

Who We Are

Tomo is a digital mortgage company on a mission to eliminate the greed and complexity in lending, helping homebuyers save thousands of dollars. Our AI-driven customer experience makes the lending process faster, less frustrating, and more affordable. By passing these savings directly to homebuyers, we eliminate excessive fees and inflated rates that cost Americans billions each year. Backed by top-tier venture investors, including Ribbit, Citi Ventures, NFX and Progressive Insurance, Tomo is poised to become one of the most valuable fintech startups of our generation.

What You’ll Do:

Support day-to-day compliance at a skyrocketing mortgage startup, collaborating across teams to help Tomo meet its legal and regulatory obligations. You will have a base knowledge of the ins and outs of applicable mortgage regulations, track the company’s compliance with them, and assist teammates on best practices. In particular, you will:

• Manage and apply for company and loan officer licensing via the Nationwide Multistate Licensing System (NMLS);

• Review and generate initial responses to examinations and audits, both external (regulatory) and internal;

• Assist withto monitoring company compliance with the Equal Credit Opportunity Act (“ECOA”), the Truth in Lending Act (“TILA”), the Telephone Consumer Protection Act (“TCPA”), and more;

• Generate and file quarterly, semi-annual and annual Mortgage Call Reports and financial reports for the mortgage business in NMLS and with various state agencies;

• Generate and file Home Mortgage Disclosure Act reports;

• Monitor incidents and customer complaints, and assist with associated investigations and reporting;

• Administer all corporate state registrations;

• Assist with the annual review and iteration of all company policies;

• Assist with the review of loan document packages and permissible fees for state launches; and

• Assist with vendor management.

This role is in office Monday, Tuesday and Wednesday in either Seattle (preferred) or New York City

What Makes You a Great Fit:

• Eagerness to Learn

• Desire to work in fast-paced, technology startup

• Proactive, problem-solving mindset

• Attention to Detail

• Multi-tasking and follow-through

• A positive, coachable mindset

Preferred Qualifications:

• Bachelor’s degree.

• At least 1.5-2 years of mortgage operations or compliance experience.

What’s in It for You?

• Career growth: Multiple paths within Tomo -- you’ll be a foundational member of the company’s Legal & Compliance team as we scale.

• Equity ownership: All teammates receive stock options.

• Coaching and mentorship: You’ll learn directly from seasoned teammates who will provide hands-on training and help you navigate key rules and processes.

Employee Benefits

We strive to anticipate your needs in order for you to be a healthy, motivated, and happy team member. We provide a variety of competitive benefits including (but not limited to):

• Equity Ownership: All teammates receive stock options—we win together

• Comprehensive Medical, Dental, and Vision plans for you and your dependents with some plans 100% covered

• Work-life balance and a generous paid time off policy

• In order to support teammates who become parents, Tomo Mortgage provides paid parental leave

• 401(k) retirement plan