Senior Lending Compliance SME / Senior Consultant

Our client is seeking a Senior Lending Compliance SME / Senior Consultant to provide independent compliance guidance and strategic oversight across consumer lending and credit operations, combining deep regulatory expertise with advisory capability to strengthen governance, control frameworks, and risk management across the lending lifecycle.

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; advise stakeholders on risk and control requirements
• 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, third-party collection provider controls, and issues involving disputes, bankruptcy, SCRA, and vulnerable consumers
• Identify material compliance, regulatory, operational, and consumer-risk issues; 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; provide actionable recommendations on control design, testing methodologies, and audit-finding remediation
• Partner with cross-functional stakeholders to assess compliance impacts of product, system, and operational changes; challenge control effectiveness and drive continuous improvement

Requirements

• 15–20 years of consumer lending compliance and regulatory experience, with deep expertise in lending risk and financial-services advisory
• Comprehensive knowledge of consumer lending regulations: 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, monitoring and testing, risk assessments, and control frameworks
• Strong experience in issue management, policy governance, third-party oversight, and executive/Board-level communication and reporting
• Proven ability to independently challenge controls, assess governance structures, and identify compliance and consumer-risk gaps across lending operations
• Track record advising on origination, servicing, collections, and exception management across the lending lifecycle
• Ability to develop compliance dashboards, regulatory reporting, and communicate technical compliance concepts to non-specialist audiences