Compliance Manager

Locations: San Jose, CA; Oakland, CA (Hybrid)

Requisition ID: ID102301

About the Employer

Housing Trust of Silicon Valley is leading the effort to create a strong, affordable housing market in the greater Bay Area as one of the region’s highest-volume nonprofit housing lenders.

Serving people experiencing homelessness, renters to first-time homebuyers, the organization assists a wide range of residents with programs across the entire spectrum of housing issues.

Since 2000, Housing Trust has invested $690 million – creating over 28,700 affordable housing opportunities serving over 53,800 neighbors. The organization has engaged local corporations and foundations in investing hundreds of millions of dollars while experiencing several years of high growth in its lending business.

Role Summary

The Compliance Manager operates the organization’s enterprise-wide compliance, fair lending, and operational risk management framework across both its single-family First-Time Homebuyer (FTHB) and Multifamily Lending (MFL) programs.

This role serves as the central point of accountability for regulatory compliance, examination readiness, and risk oversight, ensuring alignment with applicable laws, funder requirements, and internal policies.

The Compliance Manager reports to the Chief Credit and Risk Officer and works closely with Lending, Credit, Finance, and Operations teams, as well as external advisors and regulators.

What You’ll Do

Regulatory Compliance & Fair Lending Oversight

Oversee compliance with federal, state, and local regulations applicable to multifamily and single-family lending programs, including the Fair Housing Act, ECOA, TILA, RESPA (as applicable), and other consumer and housing-related requirements.
Apply a risk-based approach to compliance oversight, recognizing differences in regulatory complexity, volume, and risk between lending activities.
Maintain and update compliance policies, procedures, and internal guidance in response to regulatory changes and industry best practices.
Lead fair lending and fair housing compliance efforts, including periodic data monitoring, comparative reviews, and analysis of trends, exceptions, or emerging risks.
Support consistent and equitable credit decision-making by documenting standards and coordinating staff training on fair lending, fair housing, and compliance requirements.
Serve as an internal subject-matter resource for regulatory and compliance-related questions across lending teams.

Licensing, Certifications & Regulatory Filings

Maintain the organization’s NMLS profile and ensure timely completion of state lending license renewals, updates, and related business registrations.
Lead HUD certification and recertification processes, coordinating data collection and documentation across departments.
Support compliance with securities regulations, including Regulation D offerings (when applicable), in coordination with legal counsel.

Examinations, Audits & External Reviews

Coordinate and manage regulatory exams, monitoring visits, and external reviews, including DFPI inquiries, HUD reviews, FHLB and CDFI Fund monitoring, and other oversight activities.
Maintain examination-readiness documentation, including policies, procedures, historical records, and issue tracking.
Oversee external consultants performing internal audits or compliance reviews and support remediation planning as needed.

Risk Management, Internal Controls & Program Monitoring

Conduct periodic operational and compliance risk assessments and support the development and monitoring of risk mitigation plans.
Support the design and strengthening of internal controls related to lending, operational, and financial processes.
Monitor the Anti–Money Laundering (AML) compliance program, including policy maintenance, periodic testing, training coordination, and required recordkeeping.
Support data privacy and information security compliance, including GLBA and applicable state privacy laws.
Participate in business continuity planning and vendor risk management activities.

Training, Reporting & Cross-Functional Collaboration

Develop and deliver (or resource outside services to deliver) compliance and risk training for staff, including onboarding and annual required training.
Prepare periodic compliance and risk reports for internal leadership, senior management, and external stakeholders.
Partner cross-functionally to support workflow improvements, documentation standards, and appropriate use of tools or automation to enhance compliance efficiency.

Required Qualifications

Bachelor’s degree.
7–10 years of progressive experience in compliance, risk management, audit, or regulatory oversight within lending, banking, CDFIs, or other financial services organizations.
Demonstrated experience with multifamily lending compliance, including fair housing, underwriting oversight, and regulatory examinations.
Experience managing regulatory exams, audits, or monitoring visits across multiple lending programs.
Experience designing and performing monitoring and testing activities.
Working knowledge of AML, data privacy, and operational risk management frameworks.
Strong analytical, organizational, and documentation skills with the ability to manage multiple regulatory domains.
Excellent communication skills and the ability to collaborate effectively across departments and with external partners.

Preferred Qualifications

Advanced degree or relevant certifications (e.g., CRCM, CAMS, CFE, or similar).
Experience with single-family or consumer lending compliance.

Compensation & Benefits

Housing Trust offers a competitive compensation package, including a bonus plan and benefits. This is an exempt, full-time position. The annual salary range for this position is $112,000 - $132,000.

Medical, dental, and vision coverage is fully paid for employees, with 50% of premiums covered for eligible dependents
Employer-funded 401(k) contribution of 3%, plus an additional employer match of up to 2%
Generous paid time off, including three weeks of vacation, twelve paid sick days, eleven paid holidays, and a paid year-end office shutdown
Eligibility for an annual performance-based bonus
Tuition reimbursement program and additional benefits

Equal Opportunity Statement

Housing Trust is an equal opportunity employer to all regardless of race, color, national origin, ancestry, sex, marital status, disability, religious or political affiliation, actual or perceived gender identity, age, or sexual orientation.

Housing Trust is committed to diversity, equity, and inclusion. The organization aspires to be a diverse and inclusive organization and is committed to recruiting, retaining, and promoting diversity in its workforce and leadership to reflect the communities served. Differences in lived experiences, cultural backgrounds, and diversity of thought are considered strong assets and contribute to success.

Housing Trust of Silicon Valley jobs

Compliance Manager