Job Description
Marketing Compliance Analyst
Department: Operations
Employment Type: Full Time
Location: Client
Compensation: ₱50,000 - ₱70,000 / month
The Compliance Analyst is a dedicated marketing-compliance role responsible for reviewing and approving advertising and promotional content produced by the company and its loan officers. The Analyst ensures that all consumer-facing materials, websites, and digital channels comply with federal and state mortgage advertising laws, with primary emphasis on the Truth in Lending Act (TILA / Regulation Z advertising provisions) and the Mortgage Acts and Practices – Advertising Rule (the “MAP Rule” / Regulation N). This individual serves as a front-line gatekeeper, balancing fast turnaround for a high-volume sales force against rigorous, documented compliance review.
Key Responsibilities
Advertising & Marketing Review
- Review, redline, and approve marketing and advertising materials submitted by loan officers, branches, and corporate marketing, including flyers, mailers, rate sheets, open-house collateral, presentations, and co-branded materials.
- Evaluate all triggered-term advertising for required disclosures under TILA / Regulation Z §1026.24 (e.g., APR, payment, term, and rate disclosures), ensuring clear and conspicuous presentation.
- Screen content for prohibited, deceptive, or misleading representations under the MAP Rule (Regulation N, 12 CFR Part 1014), including claims about rates, payments, government affiliation, FHA/VA programs, and “too good to be true” offers.
- Confirm proper use of company NMLS ID, individual LO NMLS IDs, Equal Housing Lender language, licensing footers, and required state-specific advertising disclosures.
Website & Digital Channel Compliance
- Audit company and loan-officer websites, landing pages, and microsites for accurate licensing disclosures, disclaimers, and compliant rate/payment presentations.
- Review social media posts, paid digital ads, email campaigns, video, and text/SMS marketing for advertising-rule compliance across all channels.
- Monitor third-party lead-generation, listing-site profiles, and co-marketing arrangements for compliance with advertising rules and RESPA Section 8 marketing-services considerations.
Recordkeeping, Reporting & Program Support
- Maintain advertising review logs and retain commercial communications consistent with MAP Rule recordkeeping requirements (24-month retention) and company policy.
- Track review turnaround times, recurring deficiencies, and approval status; report trends and risk areas to the Chief Compliance Officer.
- Assist with updates to advertising policies, disclosure libraries, and pre-approved template language as regulations and guidance evolve.
- Deliver targeted training and feedback to loan officers and marketing staff on common advertising violations and best practices.
- Support regulatory examinations, audits, and investor/agency reviews by compiling advertising documentation and responding to findings.
Skills, Knowledge and Expertise
- Bachelor’s degree in business, finance, communications, paralegal studies, or a related field — or equivalent mortgage-industry experience.
- 2+ years of experience in mortgage compliance, marketing review, QC, or a closely related regulatory role at a lender, bank, or BPO.
- Working knowledge of TILA / Regulation Z advertising rules, the MAP Rule / Regulation N, and the UDAP/UDAAP framework.
- Strong attention to detail with the ability to spot missing disclosures, triggered terms, and misleading claims quickly and consistently.
- Excellent written communication skills for redlining, drafting compliant language, and documenting review rationale.
Preferred Qualifications
- Familiarity with RESPA Section 8 (co-marketing / MSAs), the SAFE Act, ECOA/Reg B, and state advertising and licensing requirements.
- Experience with NMLS, advertising-review workflow tools, or marketing-approval platforms.
- Industry certification (e.g., NAMB/MBA compliance coursework, CRCM, or similar) a plus.
Core Competencies
- Regulatory judgment & risk awareness
- High-volume, deadline-driven throughput
- Precision and consistency
- Diplomatic, clear stakeholder communication
- Sound documentation discipline
- Adaptability to changing rules & guidance
Benefits
- Above market salary
- HMO on Day 1 for principal and two dependents
- Government-mandated benefits
- Performance-based Incentives
- Quarterly Company Events
- 1,000 PHP De Minimis
- Equipment and software provided