Head of Compliance

🚨 Read Carefully Before Applying — You Must Meet All Requirements Below 🚨
This is not an entry-level or training role. We are looking for someone who has already done this successfully—someone who understands every part of the process listed below without needing to ramp up. If you do not have direct, hands-on experience with the items listed, please do not apply.

In addition to your resume, please include bullets that directly address the Must-Have Qualifications in the body of your email.

Compensation will be a combination of Salary, Bonus and Equity. Salary starts at $175k.

Head of Compliance / Qualified Individual

📍 Location: Irvine, CA or hybrid (must be able to work from our Irvine office regularly)
🏢 Full-time | Button Finance, Inc.

Button Finance is a rapidly growing, profitable mortgage company focused on home equity lending. We are seeking an experienced and highly capable Head of Compliance to lead regulatory oversight, manage multi-state licensing, and serve as the Qualified Individual for our mortgage operations. This role is critical to our continued growth, regulatory standing, and investor relationships.

Must-Have Qualifications

✅ Experience submitting Mortgage Call Reports
✅ Experience managing state licensing processes, including onboarding new licenses
✅ Eligible and credentialed to serve as a Qualified Individual
✅ Demonstrated success securing Fannie/Freddie/FHA/Ginnie seller-servicer approvals
✅ Deep knowledge of HOEPA, HPML, QM rules, and associated exemptions
✅ Experience maintaining a Colorado Supervised Lender License
✅ Solid understanding of home equity lending, including both closed-end seconds and HELOCs
✅ Strong fluency in Encompass, especially compliance/disclosure workflows
✅ Clear understanding of federal and state mortgage disclosure laws

Key Responsibilities

• Serve as Qualified Individual on company and branch licenses in multiple states, including Colorado.
• Manage the full licensing lifecycle—new applications, renewals, amendments—via NMLS.
• Prepare and file Mortgage Call Reports (MCRs) and other required regulatory submissions.
• Oversee Button’s compliance framework, including policies, procedures, audits, and training.
• Lead applications and ongoing maintenance for Fannie Mae, Freddie Mac, FHA, and Ginnie Mae approvals.
• Ensure compliance with all disclosure regulations under TILA, RESPA, ECOA, and state-specific rules.
• Oversee home equity compliance strategy, including closed-end seconds and HELOCs, with proper handling of QM exemptions.
• Understand Encompass compliance workflows and disclosure logic.
• Interface with regulators, investors, and third-party review firms as needed.

Bonus Points For

• Experience handling regulatory exams or investor audits
• Prior work in a startup or high-growth mortgage environment
• Familiarity with servicing regulations and borrower communication restrictions