loanDepot

Regulatory Data & Testing Analytics Lead

loanDepot • $65K — $114K *
US-AnywhereRemote in Enterprise, KS
Finance & Insurance
5 - 7 years of experience
Yesterday
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Job Overview by Ladders

Qualifications

  • Bachelor's Degree in Analytics, Finance, Economics, Information Systems, Statistics, Computer Science, or related field preferred.
  • 6+ years in data analytics, risk, audit, or compliance testing.
  • Strong experience in the mortgage industry (origination/servicing) is preferred.
  • Proficiency in SQL is required for data analysis.
  • Experience with scripting languages (e.g., Python, PowerShell, R) is preferred.
  • Familiarity with AI/ML applications for compliance testing is preferred.

Responsibilities

  • Develop and execute SQL-based test queries for compliance testing across mortgage processes.
  • Build and maintain datasets for testing using multiple loan and servicing data sources.
  • Translate regulatory requirements into measurable test steps and analytics.
  • Automate testing workflows through custom scripts to enhance efficiency.
  • Create dashboards and reports to summarize compliance testing results for stakeholders.
  • Pilot AI/ML approaches to enhance compliance testing processes while ensuring governance.
  • Continuously document processes and maintain testing records for audits.

Benefits

  • Opportunity for professional development and career progression.
  • Engagement in a cutting-edge role utilizing AI and automation in compliance testing.
Full Job Description
Description

Position at loanDepot

Position Summary:

Responsible for compliance testing with extensive experience in data analysis and artificial intelligence (AI). This role provides advanced data analysis, SQL-driven monitoring, and AI-enabled scripting to identify, quantify, and explain compliance risk across mortgage origination and servicing operations. Designs and executes repeatable analytics, builds test datasets, automates testing/evidence collection, and develops model-ready workflows to strengthen testing coverage and issue detection. Ensures work papers, methodologies, and outputs meet internal governance standards and support regulatory and audit readiness.

Responsibilities:

  • Develops, maintains, and executes SQL-based test queries, data extracts, and analytical routines to support periodic and ad hoc compliance testing (e.g., TRID, RESPA, TILA, ECOA, FCRA, FDCPA, SCRA, UDAAP) across mortgage origination and servicing processes.
  • Builds and regularly updates testing datasets from multiple sources (loan origination systems, servicing platforms, imaging repositories, vendor files, reporting layers), ensuring accuracy, lineage, and documented assumptions.
  • In partnership with members of the Compliance testing team, translates regulatory requirements and control expectations into data-driven test steps, measurable thresholds, and repeatable analytics that detect anomalies, exceptions, and emerging risk patterns.
  • Designs automated scripts (e.g., Python, PowerShell, ACL or similar) to streamline testing workflows, including evidence gathering, reconciliation, sampling, exception flagging, and remediation tracking.
  • Partners with Compliance Testing Leader to define testing populations and sampling approaches; supports risk-based scoping and helps validate completeness and accuracy of testing universes.
  • Develops dashboards, scorecards, and recurring monitoring reports that provide clear, actionable insights to compliance leadership and business stakeholders; summarizes results in business-ready narratives.
  • Evaluates and pilots AI/ML and LLM-based approaches to improve testing efficiency and effectiveness (e.g., document classification, extraction of key disclosure fields, policy/procedure mapping, control evidence validation), while ensuring appropriate governance, explainability, and model risk considerations.
  • Continuously expands knowledge of AI-driven compliance testing methods and applies approved tools and techniques to execute regulatory testing, interpret results, and support examiner-ready conclusions, ensuring appropriate controls, validation, and human review are maintained
  • Creates and maintains strong documentation (work papers, query logic, data dictionaries, assumptions, limitations, and validation results) to support exam, audit, and internal quality review expectations.
  • Analyzes testing data results to identify trends, recurring exceptions, and process weaknesses; recommends areas for enhanced testing coverage and control improvements.
  • Supports issue management by helping quantify impact, identify root cause patterns, track remediation evidence, and re-test corrective actions for sustained effectiveness.
  • Performs other duties and projects assigned.


Requirements

  • Bachelor's Degree preferred in Analytics, Finance, Economics, Information Systems, Statistics, Computer Science, or a related discipline; and/or a minimum of six (6) + years of progressive experience in data analytics, risk, audit, or compliance testing.
  • Experience in the mortgage industry strongly preferred (origination and/or servicing), including familiarity with common systems, data structures, and mortgage lifecycle events.
  • Advanced SQL required.
  • Experience with scripting/automation (e.g., Python, PowerShell, R, VBA) and building repeatable analytics preferred.
  • Experience or strong interest in AI/ML/LLM use cases for compliance, controls testing, and document analytics; familiarity with model governance concepts (validation, bias, explainability, monitoring) preferred.


Base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay for this role is between $65,000 and $114,000. Your base pay will depend on multiple individualized factors, including your job-related knowledge/skills, qualifications, experience, and market location.

About loanDepot

LoanDepot, sometimes stylized as loanDepot, is a Lake Forest, California-based holding company which sells mortgage and non-mortgage lending products. In 2015, the company claimed to be the second largest non-bank provider of direct-to-consumer loans in the United States. LoanDepot was founded in 2010 by entrepreneur Anthony Hsieh, who had previously founded mortgage companies LoansDirect.com which he sold to E*Trade, and HomeLoanCenter.com, which he sold to LendingTree. The company's products at the time included fixed rate, jumbo, FHA and home equity loans, in addition to more controversial adjustable-rate mortgages and negative amortization products. In November 2015, the company postponed a planned IPO, citing poor market conditions. In March 2017, the company introduced technology to automate the loan process, allowing customers to apply for a mortgage without talking to a loan officer. In January 2018, the company announced two products as part of its technology platform, now called Mello, a home improvement unit to allow contractors to offer financing to customers, and Mello Home, a platform to connect pre-approved buyers to realtors. In September 2019, the company partnered with Century 21 Redwood Realty to form a new mortgage platform for the mid-Atlantic area, Day 1 Mortgage. loanDepot went public on the New York Stock Exchange on February 11, 2021 under the ticker symbol LDI.
Learn more about loanDepot
Market Cap
$453.5 million
Industry
Finance & Insurance
Founded
2010
5 Year Trend
+26.8%
NASDAQ
LDI
* Ladders Estimates

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