Compliance Analyst at Unison

Omaha, Nebraska, United States

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Mortgage, Financial ServicesIndustries

Requirements

Comprehensive understanding of federal laws (TILA, RESPA, ECOA, BSA/AML, SAFE Act, UDAAP) and state-specific regulations
Strong analytical and problem-solving skills to assess regulatory impacts and create solutions
Excellent communication skills to clearly present complex regulatory concepts to diverse audiences
Proficiency with Microsoft Office and browser-based applications
Strong organizational skills to manage multiple priorities and deadlines
Ability to collaborate effectively with loan officers, marketing teams, and external vendors
High attention to detail and discretion in handling confidential information
Experience using project management tools to coordinate compliance initiatives
Bachelor’s degree in Business, Finance, Pre-Law, or related field (or equivalent experience)
Minimum 5 years of mortgage compliance, licensing, or audit experience in financial services, ideally with a non-bank lender or broker
Familiarity with NMLS processes and state mortgage licensing requirements
Hybrid position requiring 3 full days in Omaha, NE office

Responsibilities

Analyze federal and state regulatory changes (e.g., TILA, RESPA, SAFE Act, CFPB guidelines) and implement requirements across products, services, and processes
Ensure compliance with licensing obligations, including NMLS requirements, MLO continuing education, and state-specific regulations
Review marketing materials, disclosures, forms, and loan documents to ensure compliance with federal and state laws (e.g., TRID, UDAAP)
Administer compliance testing programs, monitor third-party partners, and track compliance metrics to identify risks and trends
Prepare documentation and coordinate with auditors and regulators; develop and oversee remediation plans for findings
Maintain compliance documentation, procedures, and forms library to reflect regulatory changes

Skills

TILA

RESPA

SAFE Act

CFPB

NMLS

TRID

UDAAP

ECOA

BSA/AML

Microsoft Office

Compliance Testing

Regulatory Analysis

Unison

Home equity sharing for debt-free financing

About Unison

Unison provides a financial service that allows homeowners to access the value of their home equity without taking on debt. Instead of traditional loans, homeowners can enter into a home equity sharing agreement, where they receive cash in exchange for a portion of their home equity. This means Unison becomes a co-investor in the property, sharing in any future changes in its value. This approach helps homeowners avoid monthly payments and interest, making it easier for them to use the funds for various needs like paying off debt, funding retirement, or starting a business. Unison differentiates itself from competitors by aligning its financial interests with those of the homeowner, as both benefit from the property's appreciation. The company's goal is to make housing more financially accessible and provide homeowners with the flexibility they need to improve their financial situations.

San Francisco, CaliforniaHeadquarters

2004Year Founded

$243.2MTotal Funding

DEBTCompany Stage

Financial Services, Real EstateIndustries

51-200Employees

Benefits

Generous PTO

Parental leave

Volunteer days

100% employer paid health coverage

Additional sick days

$2k yearly learning stipend

Monthly 1/2 day off for development

Risks

Rising interest rates may make traditional refinancing more attractive than home equity sharing.

Increased competition in the home equity sharing market could erode Unison's market share.

Potential regulatory scrutiny could lead to higher compliance costs for Unison.

Differentiation

Unison offers a debt-free alternative to traditional home loans through home equity sharing.

The company aligns its interests with homeowners by sharing in property appreciation or depreciation.

Unison's model allows homeowners to access funds without monthly payments or interest.

Upsides

Unison's securitization of $215 million expands access to institutional investors.

The rise of proptech innovations enhances Unison's customer experience and operational efficiency.

Increased interest in debt-free financing among millennials and Gen Z boosts Unison's market potential.

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