Servicing Compliance Manager

Reports to: General Counsel/Chief Compliance OfficerExempt: Non-Manual WorkerSalary Range: $95,000 - $115,000 (based on location and experience)Location: Wayne, PA (Corporate) office; 3 days in office, hybrid schedule available for candidates within commutable distance to office.autoMHatic Financial (formerly Tammac Holdings) is a private equity-backed lender specializing in Manufactured Home loans. With over $1 billion in originations and more than 40 years of experience, we’re transforming the manufactured housing industry through innovative products, technology-driven solutions, and a customer-first approach. Our mission is to bring speed, service, and simplicity to the lending process, including loan decisions within minutes.SummaryThe Servicing Compliance Manager is a senior-level leadership position responsible for overseeing compliance activities related to the servicing, default management, repossession, and asset management of manufactured home chattel loan portfolios. This role requires extensive experience managing compliance programs, building and implementing compliance management systems, and leading cross-departmental teams in a regulated lending environment. The Servicing Compliance Manager will design, implement, and oversee comprehensive compliance frameworks covering management reporting, policies and procedures, compliance controls, testing and monitoring programs, regulatory reporting, and staff training. This position serves as a strategic advisor to senior leadership on servicing compliance risks and regulatory developments affecting manufactured home chattel servicing, default management, repossession, and asset management operations.Key ResponsibilitiesCompliance Management System Development and OversightDesign, implement, and maintain a comprehensive compliance management system (CMS) for loan servicing, default management, repossession, and asset management operations, incorporating the key pillars of compliance program effectiveness: board and management oversight, compliance program, policies and procedures, training, monitoring and auditing, corrective action, and consumer complaint responseDevelop and implement compliance risk assessment frameworks to identify, prioritize, and mitigate servicing compliance risks across the manufactured home chattel loan portfolioPolicies and Procedures DevelopmentDevelop, implement, and maintain comprehensive servicing, default management, repossession, and asset management policies and procedures covering all aspects of manufactured home chattel loan servicing, including payment processing, escrow administration, loss mitigation, collections, default management, customer communications, repossession, and asset managementEnsure policies and procedures incorporate all applicable federal regulations (Bankruptcy Code, ECOA, EFTA, ESIGN, FDCPA, FCRA, FTC Holder Rule, RESPA, SCRA, TILA, UDAP) and state-specific servicing requirements across multiple jurisdictions (Uniform Commercial Codes-Secured Transactions Article 9, Uniform Consumer Credit Codes, payment application, permissible fees, escrow, forced-placed insurance, taxes, loss-mitigation, modifications, judicial replevin/sequestration, manufactured home titling, abandonment/landlord tenant overlays, loan-servicer/third-party servicer overlays, debt collection laws, interest rate DIDMCA preemption, public/private sale, and servicer/debt collection/seller -retailer/dealer licensing)Compliance Controls Implementation and ManagementDesign and implement robust compliance controls throughout the loan servicing lifecycle, including preventive, detective, and corrective controlsEstablish control testing protocols and schedules to validate the design and operating effectiveness of servicing compliance controlsDevelop and implement quality control processes for critical servicing functions such as payment application, escrow analysis, payoff calculations, and customer disclosuresCompliance Testing and MonitoringDevelop and execute comprehensive compliance testing and monitoring plans covering all servicing functions and regulatory requirementsConduct regular transaction testing, process reviews, and file audits to assess compliance with federal and state servicing regulations and internal policiesPerform focused reviews of high-risk servicing areas including loss mitigation, foreclosure/repossession alternatives, collections practices, force-placed insurance, and escrow administrationRegulatory Compliance and ReportingMonitor and ensure compliance with all federal and state regulations governing manufactured home chattel loan servicing, including Truth in Lending Act (TILA/Regulation Z), Real Estate Settlement Procedures Act (RESPA/Regulation X), Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Servicemembers Civil Relief Act (SCRA), and state-specific servicing lawsStay current on regulatory developments, examination priorities, enforcement actions, and industry guidance affecting manufactured home chattel loan servicingPrepare and, in collaboration with reporting compliance staff, ensure timely and accurate submission of regulatory reports and filings related to servicing operations as required by federal and state regulatory agenciesTraining and EducationDevelop and deliver comprehensive compliance training programs for servicing staff covering regulatory requirements, company policies, and industry best practicesCreate role-specific training materials for payment processors, escrow analysts, loss mitigation specialists, collections staff, and customer service representativesConduct new employee onboarding training on servicing compliance requirementsCross-Functional CollaborationMentor staff assigned to servicing compliance functionsPartner with servicing operations management to integrate compliance requirements into daily operations and workflow processesCollaborate with legal counsel on interpretation of regulations, response to regulatory matters, and resolution of complex compliance issuesStrategic Advisory and Risk ManagementServe as subject matter expert and strategic advisor to senior leadership on servicing compliance matters affecting manufactured home chattel lendingAdvise on compliance implications of new servicing products, processes, and business initiativesConsumer Complaint ManagementOversee the servicing complaint response process to ensure timely, accurate, and compliant responses to consumer complaintsAnalyze complaint trends to identify potential compliance issues, process breakdowns, and training needsCoordinate with operations and customer service teams on complaint resolution and root cause analysisBenefitsJoining autoMHatic Financial comes with a range of benefits designed to enhance your work-life balance and foster a rewarding work environment. As a member of our team, you can expect to benefit from:Competitive Pay: We offer competitive compensation packages to recognize and reward your valuable contributions. Including comprehensive benefits, such as healthcare, dental and vision insurance, and 401K.Generous Paid Time Off (PTO): Take the time you need to recharge and pursue your passions outside of work with our comprehensive PTO package.Team Events: From team-building activities to fun social events, we believe in fostering a strong sense of camaraderie through regular events that bring our team together.Fully Stocked Kitchen: Enjoy a variety of snacks, beverages, and refreshments available in our fully stocked kitchen, ensuring you stay energized and refreshed throughout the day.Culture: Immerse yourself in a diverse, inclusive culture where innovation, collaboration, and creativity thrive, offering endless opportunities for growth and development.Relocation RequirementCandidates must be willing and able to relocate to Wayne, Pennsylvania, by the designated start date for this position.EEO Statement autoMHatic Financial provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. autoMHatic Financial complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.autoMHatic Financial is an equal opportunity employer. We consider all qualified applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, veteran status, or any other status protected under applicable federal, state, or local law. autoMHatic Financial complies with all applicable laws governing nondiscrimination and equal opportunity in employment in every location in which the company operates.Privacy NoticeautoMHatic Financial is committed to protecting your privacy rights. Personal information collected during the application process will be used only for legitimate business purposes and handled in accordance with applicable privacy laws and our Employee Privacy Notice. By submitting an application, you acknowledge and consent to the collection and use of your information as described in that notice.Additional InformationThis job description is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the position. Duties and responsibilities may change at any time, with or without notice. Reasonable accommodations may be provided to qualified individuals with disabilities to enable them to perform the essential functions of the position.Please note that you are not considered an official applicant until you have submitted a complete employment application through autoMHatic Financial’s online applicant tracking system.