Trovy
Senior Compliance Manager
New York City · Senior
Sponsorship not specified$130k-$170kDetected 30 days ago
Leadership
About the role
- You will be embedded across product, operations, marketing, and leadership teams, helping Trovy move fast while managing regulatory risk with rigor across our lending and card businesses and our multi-state regulatory footprint.
- This is a high-ownership, cross-functional role reporting directly to the Chief Operating & Legal Officer.
- Serve as a subject matter expert on federal consumer financial law, including TILA/Regulation Z, RESPA, ECOA/Regulation B, FCRA, HMDA, and HOEPA
Responsibilities
- Manage and maintain Trovy's compliance management system, including policies, procedures, controls, and regulatory risk frameworks across our lending and card programs
- Own mortgage servicing compliance, ensuring servicing practices meet applicable legal standards, including customer complaints, escalations, and non-standard servicing situations
- Advise marketing on advertising copy, email, SMS, and digital content under UDAAP, TCPA, and truth-in-lending standards, and manage marketing compliance reviews.
- Licensing & Regulatory Relations: Manage NMLS licensing across Trovy's state footprint, including new license applications, renewals, amendments, and MU filings; coordinate regulatory examination preparation and response; and support regulatory correspondence and supervisory interactions
- Investor & Bank Partner Reporting: Support compliance reporting obligations to Trovy's loan investors and bank partners, including periodic certifications, covenant compliance, and audit or diligence requests; serve as a key point of contact for compliance-related inquiries from partners
- Vendor Risk Management: Own Trovy's third-party risk management program - conducting initial and ongoing vendor due diligence, maintaining the vendor inventory, assessing compliance and regulatory risk in vendor relationships, and ensuring contractual compliance obligations are appropriately reflected and monitored
- Manage NMLS licensing across Trovy's state footprint, including new license applications, renewals, amendments, and MU filings; coordinate regulatory examination preparation and response; and support regulatory correspondence and supervisory interactions
- Support compliance reporting obligations to Trovy's loan investors and bank partners, including periodic certifications, covenant compliance, and audit or diligence requests; serve as a key point of contact for compliance-related inquiries from partners
Requirements
- 6+ years of compliance experience in consumer financial services - mortgage lending, open-end credit, or card programs
- Deep knowledge of TILA/Regulation Z (including HELOC-specific rules), RESPA, ECOA, FCRA, and HOEPA
- Hands-on mortgage origination and servicing compliance experience required, including servicing workflows, complaint handling, and loss mitigation
- Direct experience with NMLS multi-state license management, MU filings, call reporting, and regulatory exam support
- Experience managing a vendor risk management program, including third-party due diligence and ongoing monitoring
- Prepare and submit HMDA and other required regulatory call reports
- Call Reporting & Regulatory Reporting: Prepare and submit HMDA and other required regulatory call reports
Nice to have
- Fintech, neobank, or mortgage lender experience strongly preferred
Skills
- Counsel product and engineering teams on compliance requirements for new features and workflows
- Track federal and state regulatory developments and advise leadership on implications for Trovy
Compensation
- $130,000 to $170,000, plus equity, depending on experience and location.
- Market Opportunity: Join a team tackling the $30T home equity market.
- Early Impact: Help shape our operations from the ground up.
Benefits
- 401K account, 100% company-paid dental, medical, vision and life insurance, flexible time off, and more.
Company info
- Trovy is building the financial home base for America's 86 million homeowners - the go-to platform for managing your home and accessing low-rate credit, because life is expensive and unpredictable.
- We believe your biggest asset should unlock your best financial options: bypass the myriad of expensive, rigid credit products and replace them with one simple, powerful solution built around your home equity.
- Backed by top-tier venture capital, Trovy is led by a team of proven fintech innovators on a mission to make homeownership and personal finances more manageable.
- Don't own a home without it.
- We are looking for a seasoned compliance professional to own and operate Trovy's compliance function.
This listing is sourced directly from Trovy's careers page and normalized into a canonical job model.