Compliance Manager

San Francisco preferred, but open to remote for the right candidate

About Multiply Mortgage

Multiply Mortgage is an AI-native mortgage company. We pair experienced, local mortgage advisors on our team with groundbreaking technology to deliver a better customer experience. Through our company partnerships channel, we partner directly with companies to offer mortgages as an employee benefit — with exceptional rates, concierge service, and modern software.

Our team previously built consumer tech products at Uber, Square, DoorDash, and Google and we are bringing the customer experience we love from these products to mortgage origination. We’re committed to building technology that enhances, rather than replaces, experienced mortgage loan originators. A mortgage is the largest financial transaction of most Americans’ lives—they deserve an expert advisor to guide them through the process, and technology that makes the experience smoother.

Multiply Mortgage is backed by Kleiner Perkins and A*, as well as founders and executives from Ramp, Plaid, Figma, DoorDash, Notion, Instacart, Faire, Flexport, Niantic, Rippling, Iterable, Lattice, Newfront, and more.

Opportunity Overview

This is an ideal opportunity for a compliance leader who excels in regulatory interpretation, risk assessment, program execution, and team leadership within a mortgage banking environment. The Mortgage Compliance Manager will oversee the Compliance Management System (CMS), lead regulatory change management efforts, manage licensing and NMLS activity, and serve as a trusted advisor across mortgage operations.

What You’ll Do:

• Compliance Management System(CMS) Leadership

  • Oversee CMS processes for monitoring, training, regulatory updates, and policy adherence

  • Lead compliance staff and supervise daily assignment workflows

  • Provide clear regulatory interpretation, guidance, and updates to business partners

  • Develop and support compliance training content and delivery

• Regulatory Change Management

  • Track and interpret changes to federal and state laws, regulations, agency guidance, and investor/secondary market requirements

  • Lead impact assessments, solution design, and implementation reviews

  • Validate post-implementation success and compliance alignment

• Complaint Management

  • Oversee escalation research, root-cause analysis, and timely resolution

  • Prepare reporting for committees and senior leadership

• Licensing & NMLS Management

  • Maintain and manage:

    • Company, branch, and MLO licenses across applicable jurisdictions

    • NMLS filings and updates including MU1, MU2, MU3, MU4, and MU10

• Coordinate and manage

  • Annual renewals and ongoing state-specific requirements

  • New state licensing applications and expansions

  • Branch openings/closures and location changes

  • Control person updates and ownership/organizational changes

  • ACNs (Advance Change Notices) and state notifications

  • Coordination with internal stakeholders for required documentation and attestations

• Audits, Exams & Quality Assurance

  • Support internal and external audits, regulatory exams, and reviews

  • Coordinate documentation, responses, follow-up items, and remediation

• Advisory & Support

  • Maintain the Compliance Help Desk and respond to inquiries

  • Review and approve marketing materials

  • Support mortgage servicing, origination, and deposit operations with compliance expertise

• Leadership

  • Mentor, coach, and develop compliance analysts/specialists

  • Represent Compliance on internal project teams and cross-functional initiatives

You Have

• 5+ years of regulatory compliance experience in the mortgage broker and/or mortgage lender industry (required)

• Working knowledge of the NMLS and mortgage licensing requirements (required)

• Strong understanding of consumer financial protection regulations

• Experience with mortgage compliance, regulatory change management, QA, or operational compliance (preferred)

• Ability to communicate regulatory expectations clearly and confidently

• Strong analytical, organizational, and project management skills

• Proficiency with Microsoft Office applications

Why Join Us?

• Purchasing a home is one of the most consequential life milestones. Help us bring homeownership and building wealth back into reach for the 67% of Americans who feel priced out.

• We’re building something big and doing so with a culture that values ownership, velocity, pragmatism, and tight feedback loops.

• We work hybrid 3 days a week in our San Francisco office.

• Lunches are on us for in-office days.

• Competitive salary and benefits such as:

  • Equity

  • Comprehensive health, dental, vision, and life insurance

  • 401(k) retirement plan

  • Flexible PTO that’s actually used

  • Paid parental leave

Compensation

$65,000-160,000 + equity

Multiply Mortgage is committed to providing fair and equitable compensation across our employee base. Compensation is determined using a skills- and market-based approach and may vary depending on location.

A candidate’s starting pay will be based on job-related skills, experience, qualifications, and work location. This salary range may be adjusted in the future.