Senior Lending Compliance SME / Senior Consultant (Canada - Remote)
Thestaffed
- Remote job
Our client is seeking a Senior Lending Compliance SME / Senior Consultant to provide independent senior-level guidance and challenge across consumer lending products, governance frameworks, and control environments. This role will assess regulatory and fair-lending risks, support Board and management oversight, and drive compliance improvements across origination, servicing, and collections operations.
Responsibilities & Qualifications
- Provide senior-level compliance guidance and independent challenge across consumer lending products, governance frameworks, and control environments
- Assess compliance implications of new products, credit policy changes, pricing strategies, and regulatory shifts
- Review origination controls across application intake, verification, credit decisioning, underwriting, and exception management; assess fair-lending, UDAAP, disclosure, and consumer-harm risks
- Oversee loan servicing and collections compliance, including payment posting, borrower communications, hardship programs, and third-party collection provider controls
- Identify material compliance, regulatory, operational, and consumer-risk issues and support escalation and management of control failures and overdue corrective actions
- Support senior management and Board-level governance, regulatory examinations, and legal-process events
- Develop lending compliance dashboards and risk reporting; review lending policies, procedures, and compliance monitoring practices
- Partner with cross-functional stakeholders to assess compliance impacts of product, system, and operational changes and provide actionable recommendations on control design, testing methodologies, and audit-finding remediation
Requirements
- 15–20 years of consumer lending compliance and regulatory expertise
- Advanced knowledge of ECOA/Reg B, TILA/Reg Z, FCRA/Reg V, UDAAP/UDAP, SCRA, FDCPA/Reg F , and fair-lending requirements
- Demonstrated expertise in compliance management systems, risk assessments, and control frameworks
- Strong experience with issue management, policy governance, and third-party oversight
- Proven ability to communicate effectively with executive and Board-level stakeholders
- Proficiency in developing compliance dashboards and regulatory reporting
- Experience in lending origination, servicing, and collections compliance workflows and control testing
- Ability to work independently, prioritize complex issues, and deliver actionable compliance recommendations
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