Compliance Help Desk Manager (Mortgage)

Who we are:

Cornerstone Capital Bancorp, Inc., headquartered in Houston, is a Texas-based financial services company dedicated to helping families, businesses, and communities thrive. Through its primary subsidiary, Cornerstone Capital Bank, the organization operates a community and business banking franchise alongside a premier national home lending, servicing, and home insurance platform-based financial services company dedicated to helping families, businesses, and communities thrive.

Guided by a core Mission, Vision and Convictions statement, Cornerstone operates 17 full-service banking locations across major Texas markets and more than 150 mortgage offices nationwide.  The company has served nearly 700,000 customers through its family of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members, Cornerstone is consistently recognized as a Fortune-certified Great Place to Work® and a Top Workplace. 

Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is the highest-capitalized new bank in Texas history.

Who we are looking for:
            The Compliance Help Desk Manager is responsible for overseeing the daily operation of the Compliance Helpdesk for Cornerstone Home Lending, a division of Cornerstone Capital Bank (the “Bank”), and its affiliates, to ensure that all inquiries are responded to clearly, promptly and accurately.  Also acts as Subject Matter Expert for ComplianceAnalyzer.

 What you’ll do:

• • Provides direction and expertise to team members, ensuring that they are provided with the tools to successfully execute their job responsibilities
    • Develops skills of team members  through a combination of goal setting, delegation, training, counseling and coaching/performance management
    • Responsible for personnel actions such as hiring, terminations, promotions, performance reviews and disciplinary action
    • Motivates team members to maintain Service Level Agreements (SLAs)
    • Reallocates resources as needed, to maintain acceptable production levels
  • Oversees the intake, triage, tracking, and resolution of compliance-related inquiries, requests, and issues submitted by the business line
  • Reviews responses to Compliance Help Desk inquiries for accuracy and consistency.  Monitors inquiries to ensure they are responded to within the prescribed SLA’s
  • Serves as primary Subject Matter Expert for ComplianceAnalyzer
    • Reviews ComplianceAnalyzer Reports and Data to ensure accuracy of fails.
    • Reviews Release Notes from ComplianceAnalyzer to facilitate programming changes due to new regulations and/or features of the ComplianceAnalyzer interface
    • Liasion with system teams regarding required compliance changes; confirming mapping requirement for Empower to ComplianceAnalyzer
    • Document changes made with Empower and ComplianceAnalyzer for functionality and mapping, noting any inefficiencies and gaps within system(s)
  • Researches inquiries from Managers to provide more details regarding regulatory and/or Investor issues.  Assists in communication with Investor regarding regulatory issues prohibiting the purchase of loans
  • Maintains training materials and “Frequently Used Responses” for Compliance Helpdesk Personnel to ensure accuracy and consistency of responses
  • Participates in the development of instructional tools and training delivery to both Compliance Helpdesk team members  and business line branch personnel, as requested
  • Maintains proficiency with the loan origination system, ComplianceAnalyzer, Xcel, AllRegs, CFPB eRegs, and any additional resources available
  • Reviews  Changed Circumstances to ensure loans are in Compliance with fee re-disclosure regulations, when requested
  • Reviews  Outstanding Funding Conditions to determine solution to regulatory and disclosure issues
  • Reviews  regulatory requirements for Federal and State regulations to determine applicability of regulation and compliance within the Empower system
  • Maintains and develops training materials regarding regulatory requirements for Production Teams
  • Oversees scheduling of team members to ensure required coverage during Compliance HelpDesk hours of operation 7:00 am to 7:00 pm CT
  • Reviews  Program requirements to ensure compliance with regulations and company policy and to identify regulatory risk
  • Attends Investor trainings to ensure compliance with regulations and company policy and identify regulatory risk
  • Creates monthly & quarterly reports regarding Compliance HelpDesk activities
  • Monitors regulatory documentation to ensure it is addressed accurately and in a timely fashion in accordance with regulatory requirements
  • Analysis and communication of State and Federal Lending Laws

What you’ll need to be successful: 

Success in this job relies on your time management skills, organization, and positive attitude.  In addition, you’ll need the following qualifications:

• Bachelor’s degree. Additional qualifying work experience may be substituted for the degree requirements.
• Minimum Five (5) years’ experience in the mortgage industry in compliance, processing, closing, origination, or other operational related department
• Deep knowledge of federal regulations and state mortgage lending laws
• Previous supervisory experience a plus
• Ability to multitask and meet deadlines
• Strong attention to detail and organizational skills
• Strong communication skills; ability to clearly and concisely express ideas and convey complex information in both verbal and written communication
• Ability to analyze complex information
• Ability to set priorities to accomplish tasks with minimal supervision.
• Proficiency in Outlook, Excel, Word
• Prefer three years of experience with Empower

What we offer: 

Because we recognize and reward hard work, we offer a competitive salary, Medical, Dental, Vision, Accidental Death, Long-Term Disability, Short-Term Disability, FSA, HSA, 401K, Basic Life, Voluntary Life, and Paid Parental Leave benefits, as well as the opportunity for a performance-based bonus based on position and department.

What to do next: 

If Cornerstone sounds like the place for you (and if you have the qualifications, drive, and passion to match), we invite you to become a member of our winning team! And remember, once you're part of our Cornerstone family, we'll continue to invest in you as a valuable asset in our company. As many of our team members can tell you, there's something special about working at Cornerstone.