Senior Compliance Manager

About Us 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. Role Overview We are looking for a seasoned compliance professional to own and operate Trovy's compliance function. 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. What You'll Be Doing - Manage and maintain Trovy's compliance management system, including policies, procedures, controls, and regulatory risk frameworks across our lending and card programs - Serve as a subject matter expert on federal consumer financial law, including TILA/Regulation Z, RESPA, ECOA/Regulation B, FCRA, HMDA, and HOEPA - Counsel product and engineering teams on compliance requirements for new features and workflows - 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. - Track federal and state regulatory developments and advise leadership on implications for Trovy - 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 - Call Reporting & Regulatory Reporting: Prepare and submit HMDA and other required regulatory call reports; support state-level reporting obligations; and maintain reporting calendars and controls to ensure accuracy and timeliness - 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 - Advise on privacy and data security obligations in a consumer financial services context What We're Looking For - 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 - Familiarity with investor and bank partner compliance reporting, including certifications, audit support, and diligence - Experience managing a vendor risk management program, including third-party due diligence and ongoing monitoring - Fintech, neobank, or mortgage lender experience strongly preferred - Able to work independently and translate regulatory complexity into clear, actionable guidance Compensation & Benefits - 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. - Location: Salt Lake City or New York (both on-site) - Benefits: 401K account, 100% company-paid dental, medical, vision and life insurance, flexible time off, and more.