VP, Compliance & Quality

Company: AMERICAN HERITAGE LENDING LLC
Location: Irvine
Posted on: February 14, 2026

Job Description:

Job Description Job Description Why American Heritage Lending: American Heritage Lending is in search of highly motivated and customer-centric individuals to join our team as Loan Originators. We are looking for sales professionals who are dedicated to enhancing the customer experience and adept at sourcing and fostering strategic relationships. Successful candidates will demonstrate a proven track record of achieving $1-3 million or more in monthly origination volume. Position Overview: VP Compliance & Quality is a leadership role responsible for the design, execution, and oversight of the company’s regulatory compliance, quality control, audit, and risk management framework across all lending activities. This role ensures full compliance with federal and state regulations, investor guidelines, and internal policies while driving a culture of quality, accountability, and continuous improvement. The role has direct ownership of Compliance, Quality Control, Audits, AML/SARs , and serves as the primary executive interface with regulators, auditors, investors, and executive leadership. Essential Duties & Core Responsibilities include: Enterprise Compliance Oversight Own and manage the company’s compliance management system (CMS) across federal, state, and local regulatory regimes. Oversee disclosure review, testing, and audit functions to ensure timely, accurate, and compliant borrower disclosures. Monitor and interpret regulatory updates (CFPB, FTC, DOJ, HUD, state regulators, etc.) and translate changes into actionable policy, process, and system updates. Lead annual policy reviews and updates , ensuring policies remain current, defensible, and operationally implemented. Design, deliver, and oversee compliance training programs , ensuring policies are understood, adopted, and enforced throughout the organization. Serve as executive owner of state examinations and regulatory audits , including preparation, response management, remediation, and regulator communications. Lead internal audit and compliance testing programs , including issue tracking, root-cause analysis, and corrective action plans. AML / SARs / Financial Crime Oversight Own the company’s BSA/AML compliance program , including SAR identification, escalation, filing, and documentation. Ensure appropriate monitoring, controls, and governance for fraud, money laundering, and suspicious activity risks. Coordinate with legal, compliance, and operations to remediate findings and maintain defensible AML controls. Quality Control & Credit Risk Management Oversee pre-funding quality control audits to ensure loan eligibility, guideline adherence, and risk mitigation prior to funding. Manage post-closing quality control audits , including agency, investor, and internal QC requirements. Lead EPD (Early Payment Default) and delinquency file audits , identifying trends, root causes, and corrective actions. Drive continuous improvement in credit quality, underwriting consistency, and defect reduction . Own change management, training, and remediation efforts related to quality findings and audit results. Leadership & Governance Build, lead, and mentor high-performing teams across Compliance, Quality Control, Audit, and Risk . Establish clear KPIs, reporting, and dashboards for executive leadership and the Board. Partner with Legal, Operations, Capital Markets, Technology, and Product teams to embed compliance and quality into business growth. Act as a trusted advisor to the President and executive team on regulatory risk, audit exposure, and control effectiveness . Legal & Regulatory Risk Oversight The VP of Compliance & Quality is responsible for ensuring the company operates in a legally compliant, defensible, and risk-managed manner across all jurisdictions and business lines. While not serving as legal counsel, this role owns the operational execution of the company’s legal and regulatory obligations and partners closely with internal and external legal advisors. Legal Responsibility & Oversight Ensure company policies, procedures, and practices align with applicable federal, state, and local laws and regulations , including consumer protection, fair lending, privacy, and financial crimes statutes. Act as executive owner for implementation and enforcement of legal requirements across Compliance, Quality Control, Credit, and Operations. Partner with internal and external counsel to interpret laws, regulations, consent orders, and regulatory guidance and translate them into operational controls and policies . Ensure appropriate documentation, record retention, and audit trails exist to support legal defensibility and regulatory examination readiness. Oversee legal risk assessments and ensure mitigation plans are established, tracked, and remediated. Regulatory Examinations, Enforcement & Legal Actions Serve as the primary executive lead for regulatory examinations, inquiries, subpoenas, and enforcement actions , coordinating responses with Legal and executive leadership. Manage exam findings, MRAs, and consent-related remediation , ensuring timely corrective actions and validation. Oversee responses to regulatory complaints, consumer complaints, and legal escalations , including root-cause analysis and systemic remediation. Support the company’s response to litigation discovery, regulatory investigations, and third-party audits as they relate to compliance, quality, and operational risk. Governance, Board & Enterprise Risk Management Provide regular legal and regulatory risk reporting to executive leadership and the Board of Directors. Support enterprise risk management (ERM) frameworks by identifying, assessing, and reporting legal, regulatory, and compliance risks . Ensure appropriate governance structures, committees, and escalation protocols are in place and operating effectively. Assist in preparation of Board materials, risk assessments, and regulatory summaries for governance and oversight purposes. Third-Party & Vendor Legal Oversight Partner with Legal and Procurement to ensure third-party vendors, service providers, and partners meet regulatory and legal compliance requirements. Oversee compliance components of vendor due diligence, contract reviews, monitoring, and issue remediation . Ensure outsourced functions maintain compliance with applicable laws, investor requirements, and company standards. Consumer Protection & Ethical Standards Ensure adherence to consumer protection laws (UDAAP, fair lending, privacy, data security, and disclosure accuracy). Promote a culture of ethical conduct, transparency, and accountability across the organization. Oversee complaint management programs and ensure trends are identified, escalated, and addressed. Success Metrics Clean and timely regulatory exams and audits Reduction in audit findings, EPDs, and material defects Strong training adoption and policy adherence Effective issue remediation and risk mitigation Scalable compliance and QC infrastructure supporting growth. Experience & Minimum Qualifications (Skills, Knowledge & Abilities): Required 5 years of progressive leadership experience in compliance, quality control, audit, or risk management within consumer and business purpose residential mortgage lending. Deep working knowledge of federal and state lending regulations , investor requirements, and examination processes. Proven experience leading state and federal exams , internal audits, and investor reviews. Strong understanding of AML/SARs programs and financial crime risk management. Executive-level communication skills with regulators, auditors, investors, and Boards. Preferred Prior experience as a VP at a multi-state residential Non-QM lender. Experience scaling compliance and QC frameworks in high-growth or private-equity-backed environments . Familiarity with Non-QM, RTL, and private investor guidelines . Essential Mental & Physical Requirements: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. Frequently required to sit, stand, kneel, stoop, or squat Use hands or fingers to handle or feel objects, tools, or controls Reach with hands and arms Talk or hear Specific vision ability includes close vision, distance vision, color vision, depth perception and the ability to adjust focus Occasionally lift and/or move up to 25 pounds Ability to analyze situations logically to identify causes and draw solid conclusions Ability to anticipate the consequences of a situation Ability to modify one’s own behavior to meet expectations of others Ability to sustain one’s own emotions from interfering with responding effectively to internal and external customer’s needs Displays honesty and trustworthiness; has a sense of personal accountability; maintains a moral conviction to do the right thing Physical Demands: The physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. Job Classification: Exempt Benefits: Medical Dental Vision Matching 401(k) Basic Life & AD&D Paid Time Off Paid Holidays Why American Heritage Lending: We are a high-growth Company that doubled our staff in 2022 Competitive Salary Wide Product Options - Bridge, Fix and Flip, FHA, VA, Conventional, Non-QM, DCSR, Hard Money Loans and more We are not impacted by the volatility of the interest rate. This Company describes its culture as: Family-Accountability-Integrity-Teamwork-Have fun along the way Start your career today with American Heritage Lending! Note: Nothing in this job description restricts the company’s right to assign or reassign duties and responsibilities to this position at any time. Reasonable accommodations may be made in appropriate circumstances to enable individuals to perform the essential functions of the position.

Keywords: AMERICAN HERITAGE LENDING LLC, San Marcos , VP, Compliance & Quality, Legal , Irvine, California