Compliance Analyst, ERM
•EarnIn· 2h
🏷️ Data Science⏰ Full-time📈 Mid Level💰 $80k-90k🇺🇸 USA
2h ago
Valonvm·about 2 hours ago
Valon is transforming both mortgage servicing and consumer direct lending with a technology-first approach. Backed by Andreessen Horowitz (a16z) and managing over $130 billion in loans, we’ve built our platforms from the ground up—not on outdated legacy systems—so homeowners, lenders, and investors experience greater transparency, efficiency, and care. By unifying processes into a modern, AI-native operating system, we’re leading the way in automation, compliance, and continuous improvement across our servicing and lending businesses.
Our mission is to empower every homeowner by making the mortgage experience simple, secure, and financially empowering. To achieve this, we bring together world-class engineers, servicing experts, lending professionals, and operations leaders who share a passion for improving the homeowner journey. We’re not only reshaping what servicing and lending look like today—we’re creating opportunities for talented people to help drive the future of the industry.
As we continue to grow, Valon is expanding its footprint across multiple states, opening the door to exciting new roles and career paths. Joining Valon means becoming part of a fast-scaling company where innovation, collaboration, and customer impact go hand in hand. Mortgage is just the beginning—we’re building the future of regulated finance, and we want you to be part of it.
The Default Servicing team manages all default-related processes and resolves mortgage loans that are in default. The team is crucial to Valon and the broader mortgage ecosystem, as it helps prevent foreclosures and minimize losses for investors. Homeowner transparency and financial literacy is always a focal point to our people, process, and product, and we strive to help homeowners who need additional support to keep their dream of homeownership alive.
The Default Reporting Specialist is responsible for producing, validating, and delivering accurate and timely default-reporting to investors and insurers within the delinquency and default mortgage servicing lifecycle. This role supports servicing leadership, default operations teams (collections, loss mitigation, foreclosure, bankruptcy, REO), compliance, and investor reporting needs. The Default Reporting Specialist ensures default reporting aligns with internal policy, investor requirements, and regulatory expectations while identifying illogical status codes, trends, and recommending process improvements.
Reviews, prepares, and submits monthly default status and delinquency reporting to investors and insurers.
Ensures monthly reporting is accurate - works with other default areas to resolve illogical reporting conditions
Ensures monthly reporting is delivered timely according to investor/insurer requirements
Resolves investor/insurer edits/correction requests within 24 hours of receipt
Escalates problems with reporting submission and inaccurate codes prior to reporting deadlines
Responds to audit requests and audit findings relative to default reporting to
Ensure reports are delivered on time to internal stakeholders and external parties (investors, auditors, etc.) as required.
Perform reconciliations, variance analysis, exception review, and root-cause investigation for illogical and/or inaccurate status and RFD codes
Maintains documentation for report logic and reporting errors.
Identify trends in default reporting performance,
Monitor KPI/SLA performance for default reporting
Present insights and recommendations to leadership to drive operational improvements.
Partner with Default Ops, Data/BI, and Compliance to improve reporting processes, automate manual reporting, and refine metric definitions.
Support creation of dashboards and repeatable report templates.
Contribute to change management during system updates, mapping changes, or investor requirement changes.
2+ years of experience in mortgage default reporting for Fannie Mae, Freddie Mac, PMI, FHA, VA, and USDA.
Working knowledge of default servicing functions: collections, loss mitigation, foreclosure, bankruptcy, and REO.
Proficiency with Excel (pivot tables, advanced formulas, data validation, reconciliations).
Experience producing recurring operational or investor-facing reports with strong attention to detail.
Ability to interpret and apply metric definitions and business rules consistently.
Strong communication skills — able to explain report results, variances, and definitions to non-technical stakeholders.
Minimum education requirement: High school diploma or GED equivalent required
Compensation: competitive salary and 401 (k) plan
Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits
Food & meals: in-office snacks and drinks, and Bagel Fridays
Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient.
Grow together: Company-wide orientation for you to successfully onboard and other learning & development opportunities, including regular review cycles that feature 360-degree feedback
Generous time off: 17 days paid time off, sick days, and 11 company holidays
Baby bonding time!: 12 weeks off for both birthing and non-birthing parents - fully paid, so you can focus your energy on your newest addition
Throughout the interview process, please remember that emails will only be from valon.com email addresses. We will never ask for any personally identifiable information during the interview process itself. Please reach out to [email protected] if you have any requests to verify the authenticity of an outreach.
Valon is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Valon makes hiring decisions based solely on qualifications, merit, and business needs at the time.