AI Governance and Compliance Analyst

Mortgage Regulatory & Framework Alignment

• GSE & FHFA Compliance: Ensure all internal and vendor-provided AI/ML models comply with Fannie Mae (LL-2026-04) and Freddie Mac (Bulletin 2025-16) governance guidelines.
• Federal Agency Mandates: Align AI workflows with FHA/HUD, VA, and FHFA (Advisory Bulletin 2022-02) risk management expectations.
• Framework Operationalization: Standardize risk assessments by mapping internal AI policies directly to the NIST AI Risk Management Framework (RMF) and the mortgage industry's FRAME (Framework for Responsible AI in the Mortgage Ecosystem) guidelines.

Technical Auditing & Architecture Review

• System Design Critique: Evaluate API architectures and data flows to ensure non-deterministic AI outputs are properly sandboxed, log histories are immutable, and system behaviors are entirely auditable.
• Algorithmic Bias Testing: Review independent model validations to proactively spot and mitigate algorithmic bias or drift that could violate the Equal Credit Opportunity Act (ECOA) or Fair Housing Act.

Vendor AI Due Diligence & SOW Engineering

• Critique vendor-embedded AI, ML, and LLM solutions to evaluate their technical soundness, guardrails, and adversarial risk vulnerabilities (e.g., data poisoning).
• Data Privacy & Retention Guardrails: Review vendor contracts and Statements of Work (SOWs) to enforce strict limits on borrower data usage, ensuring vendors have zero rights to reuse, retain, or train their foundational models on our proprietary mortgage data.

Policy Lifecycle Management

• Establish a regular, proactive cadence to update corporate AI Policies and Procedures.
• Partner seamlessly with Legal, Information Security, and Quality Control to translate evolving state and federal AI laws into practical engineering requirements.

Performance Monitoring & Optimization

• Track KPIs for AI agents (e.g., response accuracy, resolution time, user satisfaction).
• Recommend improvements based on data-driven insights and feedback.
• Prepare reports and presentations for leadership on Compliance and ROI.

Qualifications

• Industry Experience: 4–6 years of experience operating at the intersection of technical software execution and risk/compliance.
• Dedicated experience within the residential mortgage lending industry is required, with a deep understanding of its operational workflows, policies, and compliance structures viewed from a business-side perspective.
• Regulatory Acuity: In-depth, working knowledge of financial compliance frameworks and consumer protection laws—specifically ECOA (Equal Credit Opportunity Act), Fair Housing Act, GLBA Safeguards, and UDAAP—especially as they apply to automated decision-making and AI model deployment.
• Data & Analytics Toolkit: Strong proficiency in SQL for data querying alongside advanced capabilities in MS Excel, Word, and PowerPoint for reporting and presentations.

Education & Mindset

• Education: Bachelor’s degree in Business Analytics, Data Science, Computer Science, Information Systems, or a closely related quantitative field.
• Execution & Attitude: A proactive professional with a "can-do" positive mindset, comfortable navigating ambiguity, and possessing a strong willingness to experiment with new ideas and testing methodologies.

Communication & Collaboration

• Cross-Functional Communication: Exceptional written and verbal communication skills with a proven ability to translate complex technical architectures and data structures into clear business language.
• Stakeholder Management: Able to maintain a collaborative, peer-level relationship with AI engineers during code reviews, while confidently aligning with Legal, Compliance, and Executive leadership on strategic regulatory risks.

Pay Disclosure

The starting base pay range for this position is $100,000/annually. The actual base is dependent on many factors such as work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.

Disclaimer

This job description is not intended, nor should it be construed to be, an exhaustive list of all responsibilities, duties, skills, or working conditions associated with a job. It is intended to be a general description of the principal requirements common to the positions of this type. The incumbent may be required to perform additional duties and functions to meet Kind Lending’s needs.