• Manage the end-to-end global SOX program. • Drive the scoping, documentation (narratives/matrices), and testing of key financial controls. • Partner with business owners to remediate deficiencies and ensure "audit-ready" status year-round. • Support the VP and Director in facilitating the Enterprise Risk Management (ERM) framework. • Drive the adoption of AI, machine learning, and automation tools to transition from sample-based testing to continuous monitoring and full-population data analysis. • Lead complex audits focused on operational efficiency, product security, and scalable business processes, providing "root cause" insights rather than just finding errors. • Function as a trusted advisor to process owners, senior management and IT Management, evaluating the risk landscape for new and emerging risks, for new product launches, M&A activity, and system implementations. • Assist in the preparation of compelling reports and Audit Committee updates for the Audit Committee and senior management. • Mentor a high-performing team of audit professionals across different geographies fostering a culture of technical excellence and innovative thinking. • Draft high-quality audit reports for senior management that go beyond "finding errors" to provide strategic insights and root-cause analysis.

Role Description The Compliance Coordinator for Frasco is responsible for ensuring that the company adheres to all relevant regulations and requirements related to private investigator licenses, agency private investigator licenses, driver licenses, motor vehicle records (MVR), and auto insurance. This role requires meticulous attention to detail, strong organizational skills, and the ability to work collaboratively with various departments within the organization. - Manage and maintain a comprehensive database of all private investigator licenses for company personnel - Registration/termination of Private Investigator’s license - Continuing education requirements - Reporting requirements, as needed - Monitor and track the expiration dates of individual private investigator licenses, ensuring timely renewals - Stay informed about changes in licensing requirements and regulations to ensure ongoing compliance - Oversee the licensing process for the company's private investigation agency, ensuring all requirements are met - Complete private investigator agency audits, agency license renewals and all compliance documentation - Track and monitor employees' driver’s licenses to ensure all are current and valid - Monitor MVR records for employees with driving responsibilities including annual MVR review - Collaborate closely with HR and other relevant departments to address concerns and needs - Track employee auto insurance coverage, ensuring that insurance policies are current, valid, and meet the company's requirements - Communicate with employees and insurance providers on a regular basis - Pick up and deliver incoming and outgoing mail from the designated office mailbox on a regular schedule - Open, review, and sort incoming mail, ensuring timely distribution to appropriate departments and personnel - Ensure proper handling and confidentiality of sensitive documents in accordance with company and regulatory requirements - Support document retention and filing processes, including scanning and electronic record management - Assist with general office administrative tasks to support compliance and HR operations as needed Qualifications - Two years’ experience in compliance, preferably in a role involving private investigator licensing and driver compliance - Knowledge of relevant federal, state, and local regulations - Strong organizational, time-management and attention to detail skills - Excellent communication and interpersonal skills - Attention to detail and ability to work independently - Proficiency in computer usage, specifically MS Office products Requirements - Regulatory compliance experience in any field - Bachelor’s Degree Benefits - Paid Time Off and Paid Holidays - Health, Dental, Vision, Employer Paid Life Insurance, Supplemental Health Benefits, Flexible Spending Accounts - 401K with Company Match Company Description Frasco has been in business for 60 years as a family-owned full-service investigation company with hundreds of investigators and regional offices nationwide. Our vibrant company culture, driven by core values of integrity, innovation, and excellence, fosters a supportive and collaborative environment where every individual is valued. We are committed to diversity and inclusion, encouraging applications from all backgrounds. Join us to make a meaningful impact and thrive in a positive, respectful workplace.

Role Description The Director, Servicing Compliance is a senior leadership role responsible for ensuring that all servicing product capabilities are designed, built, and delivered in full alignment with regulatory and investor requirements. Reporting directly to the SVP, Head of Product, this role is embedded within the product organization and operates as compliance advisory across the platform. - Proactively translating regulatory requirements into product and operational expectations. - Ensuring compliance is built into system design and not validated after the fact. - Partnering closely with Product, Engineering, and Operations to ensure the platform is exam-ready from day one. - Partnering with the Compliance Organization to ensure alignment with enterprise standards, interpretations, and oversight expectations. Responsibilities - Regulatory Interpretation & Product Translation - Interpret federal, state, and investor regulatory requirements (e.g., RESPA, Reg X, TILA, Reg Z, CFPB guidance, Fannie Mae, Freddie Mac, Ginnie Mae, Veterans Administration, and USDA-Rural Housing). - Translate regulatory obligations into clear product expectations, requirements, and system behaviors. - Ensure consistency and traceability between regulatory requirements and implemented functionality. - Monitor ongoing regulatory changes and effective dates, ensuring new or updated requirements are proactively incorporated into product design, prioritized appropriately, and delivered in alignment with required compliance timelines. - Compliance by Design - Define and enforce compliance acceptance criteria across all product features and workflows. - Ensure compliance requirements are embedded into product design, not retrofitted post-development. - Partner with Product Engineers and Business Principals to ensure requirements are complete, testable, and aligned with regulatory expectations. - Communications, Notices, & Disclosures - Ensure all regulated borrower communications, notices, and disclosures are fully defined, triggered appropriately, and compliant with applicable regulations. - Validate timing, content, delivery methods, and auditability of all communications. - Partner with the Compliance Organization and Operations to ensure alignment with current regulatory interpretations. - Exam Readiness & Audit Support - Define and prepare exam-ready artifacts from day one, including documentation, controls, evidence, and traceability. - Establish standards for audit trails, documentation, and control evidence across the platform. - Support internal audits, regulatory exams, and investor reviews as the primary compliance lead for product. - Compliance Validation & Sign-Off - Provide final sign-off on compliance readiness for product releases. - Ensure all regulatory requirements, controls, and evidence are in place prior to production deployment. - Identify and escalate compliance risks, gaps, and dependencies early in the development lifecycle. - Cross Functional Leadership - Serve as the primary compliance advisor to Product, Engineering, and executive stakeholders. - Partner with the Compliance Organization and Operations to align on interpretations and implementation approaches. - Drive alignment across teams on compliance priorities, trade-offs, and risk tolerance. Qualifications - 10+ years of experience in mortgage servicing compliance, regulatory, or risk-related roles. - Deep expertise in servicing laws and regulations (e.g., RESPA/Reg X, CFPB requirements) and various GSE agency and investor guidelines. - Proven ability to translate regulatory requirements into operational or system-level implementation. - Experience working closely with product and engineering teams in a technology or transformation environment. - Strong understanding of audit, controls, and exam processes. - Demonstrated ability to operate at both strategic and detailed levels. - Bachelor’s degree from an accredited college or university in a relevant discipline preferred; equivalent practical experience will be considered. Certifications, Licenses, and/or Registration - Law degree preferred, but not required. Benefits - Competitive salary range of $170,000 to $230,000, plus an annual bonus. - Medical coverage starting on day one. - Company-matched 401(k). Company Description MSR Portfolio Services is an Equal Employment Opportunity employer. All aspects of consideration for employment and employment with the Company are governed on the basis of merit, competence and qualifications without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, or any other category protected by federal, state, or local law.

Role Description First Help Financial, voted and certified as a “Great Place to Work” by our workforce for five years in a row, is adding a new partner to our Collections department to accommodate our remarkable growth! The Manager, Collections Legal and Recovery Compliance owns all legal and compliance gates, including eligibility for legal escalation, consumer contact standards, vendor oversight, and outside counsel management. This is a build role creating a structured post charge-off recovery program from scratch, turning currently uncollected balances into meaningful returns. This is not a practicing attorney role; external counsel handles legal action. This role leads the compliance framework, ensures all consumer interactions are legally sound, and builds the program with speed and autonomy. What you will do: - Post Charge-Off Recovery Program: - Design and own the qualification criteria for legal escalation. - Maintain the controlled file and validate routing through audits. - Monitor the legal escalation pipeline and maintain the compliance log. - Review and approve all settlement letter content for compliance. - Review and approve deficiency collection contact scripts and settlement authority structure. - Own the legal and compliance reporting within the collections KPI package. - Regulatory and Compliance: - Complete FDCPA and UDAAP reviews of consumer-facing components. - Build and maintain a state-by-state legal viability map for deficiency collections. - Ensure deficiency collection approaches are anchored to loan attributes. - Manage bankruptcy filings across the portfolio. - Ensure SCRA compliance for servicemember accounts. - Coordinate responses with compliance on regulatory inquiries. - Build and deliver compliance training for post charge-off staff. - Vendor and Outside Counsel Oversight: - Vet all third-party collection agencies before account placement. - Own the ongoing agency compliance program and conduct regular audits. - Oversee third-party BPO partners working post charge-off accounts. - Lead outside counsel evaluation and selection for the legal escalation pipeline. - Review vendor contracts before execution. - Policy, Process, and Cross-Functional Work: - Write and maintain all policies and procedures for the post charge-off collections program. - Manage active collections-related litigation in coordination with outside counsel. - Identify process gaps that create legal exposure. - Serve as the legal and compliance resource for daily questions. - Hire and develop direct reports as program volume increases. Qualifications - 5 or more years of experience in legal operations, compliance management, or collections oversight within consumer lending, auto finance, or a third-party collection agency. - Demonstrated historical career stability. - Experience in non-prime or subprime auto lending specifically. - Working knowledge of FDCPA, UDAAP, and applicable state consumer protection laws. - Experience managing bankruptcy filings and handling SCRA compliance. - Has managed outside counsel relationships. - Experience in deficiency recovery operations. - Able to read and interpret collections performance data. - Bachelor's degree required; JD, paralegal certification, or CRCM preferred but not required. Strongly Preferred - Has designed, built, or led a post charge-off deficiency recovery program. - Has managed legal collections activity across multiple states. - Has built or administered an agency compliance monitoring program. - Background at a non-prime auto lender or servicer. Benefits - Generous salaries and competitive health and welfare benefits (medical, dental, vision, LTD/STD, identity theft, paid parental leave, and more). - Paid vacation and 401(k) match. - Tuition reimbursement and social activities. - Monthly lunches and a robust employee recognition and talent development program.