Servicing Compliance Manager (1025)

Job DetailsJob Location: Wayne, PA 19087Position Type: Full TimeTravel Percentage: NoneServicing Compliance Manager Effective Date: March 9, 2026 Reports to: General Counsel/Chief Compliance Officer Exempt: Non-Manual Worker Salary 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. Summary The 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 Responsibilities Compliance Management System Development and Oversight Design, 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 response Develop and implement compliance risk assessment frameworks to identify, prioritize, and mitigate servicing compliance risks across the manufactured home chattel loan portfolio Establish and maintain compliance dashboards, key risk indicators (KRIs), and metrics to measure compliance program effectiveness and identify emerging risks Oversee the integration of compliance requirements into servicing technology systems, workflow processes, and operational procedures Lead the development and continuous improvement of the company's compliance culture within servicing, default management, repossession, and asset management operations Policies and Procedures Development Develop, 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 management Ensure 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) Review and update servicing policies and procedures regularly to reflect regulatory changes, examination findings, industry best practices, and operational developments Collaborate with operations, legal, and technology teams to ensure policies are operationally feasible, clearly documented, and effectively implemented Maintain a centralized repository of all servicing compliance policies, procedures, and work instructions with version control and change management protocols Compliance Controls Implementation and Management Design and implement robust compliance controls throughout the loan servicing lifecycle, including preventive, detective, and corrective controls Establish control testing protocols and schedules to validate the design and operating effectiveness of servicing compliance controls Develop and implement quality control processes for critical servicing functions such as payment application, escrow analysis, payoff calculations, and customer disclosures Create and maintain control matrices documenting control objectives, control activities, control owners, testing frequency, and testing results Work with operations management to remediate control deficiencies and implement corrective action plans Monitor control effectiveness through key performance indicators (KPIs) and exception reporting Compliance Testing and Monitoring Develop and execute comprehensive compliance testing and monitoring plans covering all servicing functions and regulatory requirements Conduct regular transaction testing, process reviews, and file audits to assess compliance with federal and state servicing regulations and internal policies Perform focused reviews of high-risk servicing areas including loss mitigation, foreclosure/repossession alternatives, collections practices, force-placed insurance, and escrow administration Analyze testing results to identify trends, root causes, and systemic compliance issues Prepare detailed testing and monitoring reports with findings, risk assessments, and recommended corrective actions Track and validate remediation of identified compliance deficiencies Regulatory Compliance and Reporting Monitor 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 laws Stay current on regulatory developments, examination priorities, enforcement actions, and industry guidance affecting manufactured home chattel loan servicing Prepare 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 agencies Respond, in collaboration with exam compliance staff,  to regulatory inquiries, examinations, and audits related to servicing compliance Maintain detailed documentation of compliance activities, testing results, examination responses, and corrective actions As needed, support licensing compliance staff or serve as primary liaison with state licensing authorities on servicing compliance matters Training and Education Develop and deliver comprehensive compliance training programs for servicing staff covering regulatory requirements, company policies, and industry best practices Create role-specific training materials for payment processors, escrow analysts, loss mitigation specialists, collections staff, and customer service representatives Conduct new employee onboarding training on servicing compliance requirements Provide ongoing education on regulatory changes, examination findings, and emerging compliance risks Assess training effectiveness and maintain training records and attendance documentation Cross-Functional Collaboration Mentor staff assigned to servicing compliance functions Partner with servicing operations management to integrate compliance requirements into daily operations and workflow processes Collaborate with legal counsel on interpretation of regulations, response to regulatory matters, and resolution of complex compliance issues Work with technology teams on system enhancements, system testing, and implementation of compliance-related system changes Coordinate with originations compliance to ensure seamless compliance oversight across the loan lifecycle Engage with third-party vendors and service providers on compliance expectations, oversight, and performance monitoring Strategic Advisory and Risk Management Serve as subject matter expert and strategic advisor to senior leadership on servicing compliance matters affecting manufactured home chattel lending Advise on compliance implications of new servicing products, processes, and business initiatives Participate in strategic planning and decision-making to ensure compliance considerations are integrated into business strategies Identify and escalate emerging compliance risks and regulatory trends to senior management Recommend enhancements to the compliance program to strengthen risk management and operational effectiveness Consumer Complaint Management Oversee the servicing complaint response process to ensure timely, accurate, and compliant responses to consumer complaints Analyze complaint trends to identify potential compliance issues, process breakdowns, and training needs Coordinate with operations and customer service teams on complaint resolution and root cause analysis Maintain complaint logs and tracking systems to monitor complaint volumes, response times, and resolution outcomes Supervisory Responsibilities Currently, this role does not have direct reports. Benefits Joining 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 Requirement Candidates 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 Notice autoMHatic 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 Information This 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.  QualificationsExperience 5-8 years of progressively responsible experience in compliance management within mortgage servicing, consumer lending, or financial services, with specific experience in manufactured home chattel lending preferred Demonstrated management experience leading compliance projects or initiatives Proven track record of designing, implementing, and managing compliance management systems in a regulated servicing environment Extensive experience developing and implementing policies, procedures, and compliance controls for servicing operations Strong background in compliance testing, monitoring, and audit methodologies Experience preparing regulatory reports and managing regulatory examinations or audits Experience with multi-state servicing compliance and state licensing requirements Required Knowledge and Skills Expert knowledge of federal servicing regulations including TILA/Regulation Z, RESPA/Regulation X, FDCPA, FCRA, SCRA, and UDAAP principles Deep understanding of state servicing laws and regulations across multiple jurisdictions Comprehensive knowledge of manufactured home chattel lending products, servicing practices, and industry-specific regulatory requirements Proficiency with compliance management systems, loan servicing platforms, and compliance technology tools Strong analytical skills with ability to interpret complex regulations, analyze data, identify trends, and assess risk Excellent project management skills with ability to manage multiple priorities and meet deadlines Strong written and verbal communication skills, including ability to prepare compliance reports, policies, and training materials Demonstrated leadership abilities with fostering cross-department team development Technical Competencies Proficiency in compliance management software and workflow tools Experience with loan servicing systems and platforms Advanced proficiency in Microsoft Office Suite (Excel, Word, PowerPoint, Outlook) Experience with data analysis tools and reporting systems Knowledge of compliance testing and audit management software Professional Competencies Strategic thinking and problem-solving abilities High level of integrity, professionalism, and ethical standards Strong attention to detail with ability to identify compliance issues and control weaknesses Ability to work independently and exercise sound judgment in complex situations Proactive approach to risk identification and issue resolution Ability to influence and build consensus across organizational levels Adaptability and resilience in a fast-paced, evolving regulatory environment Education and Certifications Bachelor's degree in Business, Finance, Legal Studies, or related field required Compliance certifications strongly preferred: Certified Regulatory Compliance Manager (CRCM), Certified Mortgage Compliance Professional (CMCP), or similar professional credentials Juris Doctor (JD) degree is a plus but not required Physical Requirements Prolonged periods of sitting at a desk and working on a computer Must be able to lift up to 15 pounds at times