Audit Analyst(Regulatory)

The Audit Analyst will support the Regulatory Strategy & Operations (RSO) team in executing loan-level compliance testing, regulatory reporting audits, and examination readiness activities. This role is execution-focused and plays a critical part in validating data accuracy, identifying compliance gaps, and strengthening internal controls across mortgage regulatory reporting processes.

The position supports HMDA, Mortgage Call Reports (MCR), and other state and federal reporting obligations through structured testing and audit workflows under the direction of the Manager, Regulatory Audit.

·       Perform detailed loan file reviews to validate accuracy of data reported in regulatory filings and internal systems

·       Execute predefined audit scripts and testing procedures across HMDA, MCR, and state reporting datasets

·       Compare source documentation against reported data fields to identify discrepancies

·       Document findings clearly and consistently in accordance with internal audit standards

·       Support testing of regulatory reporting processes, including HMDA LAR and Mortgage Call Reports

·       Assist in reconciliation reviews and control validations to ensure reporting completeness and accuracy

·       Escalate identified data issues and collaborate with internal stakeholders on corrective actions

·       Maintain structured audit workpapers and testing documentation

·       Prepare loan files and supporting documentation for internal reviews and state/federal examinations

·       Track document requests and assist in compiling responses for regulatory inquiries

·       Support remediation tracking by validating corrective actions and follow-up testing

·       Conduct structured analysis to identify reporting trends, operational breakdowns, and control gaps

·       Support root cause validation by reviewing loan documentation and system data

·       Partner with Operations, Compliance, and Reporting teams to resolve discrepancies

·       Contribute to the refinement of audit scripts, checklists, and monitoring frameworks

·       Identify opportunities to improve documentation, testing efficiency, and control reliability

·       Bachelor’s degree in Finance, Business, Economics, Accounting, or related field

·       2–4 years of experience in mortgage compliance, quality control, audit, regulatory reporting, or similar function

·       Strong understanding of the mortgage lifecycle (origination, underwriting, closing, post-closing)

·       Experience performing loan-level file reviews or transactional testing

·       Strong analytical and investigative skills

·       High attention to detail and documentation discipline

·       Ability to manage multiple priorities in a deadline-driven environment

·       Strong written and verbal communication skills

·       Exposure to HMDA (Regulation C) reporting requirements

·       Experience supporting Mortgage Call Reports (MCR) or state regulatory reporting

·       Prior experience in compliance testing, internal audit, or risk management

·       Experience working in a fintech or high-growth mortgage environment

·       Execution excellence

·       Regulatory and mortgage process awareness

·       Analytical rigor

·       Structured documentation

·       Cross-functional collaboration

·       Process improvement mindset