Mortgage Compliance Analyst

Who we are

Tomo is an AI-powered mortgage bank on a mission to eliminate the greed and complexity in home lending. Our technology makes the process of buying a home faster, less frustrating, and way less expensive. By passing these savings directly to homebuyers, we eliminate the excessive fees and inflated rates that cost Americans billions each year. Tomo is backed by Progressive Insurance, Citi Ventures and other top-tier investors, on track to be one of the biggest lenders in America.

We are intentional about who joins our rapidly growing team—we seek ambitious, team-oriented, and driven individuals who embrace the effort required to win. At Tomo, we seek teammates who have a pattern of success in their lives —whether demonstrated through work, academics, athletics, or personal endeavors. Tomowners lean into the company culture, are energized by our mission and want to have fun at work.

Location:  Seattle, WA

Reports To:  Associate General Counsel

Type:  Full-Time; Hybrid (in office Mon-Wed, remote Thurs-Friday)

Support day-to-day compliance at a skyrocketing mortgage startup, collaborating across teams to help Tomo meet its legal and regulatory obligations. You will have a base knowledge of the ins and outs of applicable mortgage regulations, track the company’s compliance with them, and assist teammates on best practices. In particular, you will:

• Manage and apply for company and loan officer licensing via the Nationwide Multistate Licensing System (NMLS);


• Review and generate initial responses  to examinations and audits, both external (regulatory) and internal;


• Assist to  monitor company compliance with the Equal Credit Opportunity Act (“ECOA”), the Truth in Lending Act (“TILA”), the Telephone Consumer Protection Act (“TCPA”), and more;


• Generate and file quarterly, semi-annual and annual Mortgage Call Reports and financial reports for the mortgage business in NMLS and with various state agencies;


• Generate and file Home Mortgage Disclosure Act reports;


• Monitor incidents and customer complaints, and assist with associated investigations and reporting;


• Administer all  corporate state registrations;


• Assist with the annual review and iteration of all company policies;


• Assist with the review of loan document packages and permissible fees for state launches; and 


• Assist with vendor management.

• Eagerness to Learn


• Proactive, problem-solving mindset


• Attention to Detail


• Multi-tasking and follow-through


• A positive, coachable mindset

• Bachelor’s degree.


• At least 1.5-2 years of mortgage operations or compliance experience.

• Career growth: Multiple paths within Tomo -- you’ll be a foundational member of the company’s Legal & Compliance team as we scale.


• Compensation: $75,000 


• Equity ownership: All teammates receive stock options.


• Coaching and mentorship: You’ll learn directly from seasoned teammates who will provide hands-on training and help you navigate key rules and processes.