The Team:

At Kind Lending, our family of diverse and talented Kind Ambassadors is the driving force behind our new approach to the mortgage experience.  Our Kind Ambassadors are the heart and soul of the organization and our “People Before Profits” mentality shines through in every department.  Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset.  Kind Lending is determined to provide the best service in the industry while also providing homebuyers with a great selection of products to enhance their buying experience.  Backed by our trusted leadership team, Kind Lending’s friendly and professional model puts the “fun” in funding.

Position Summary:

The Senior Technical AI Governance and Compliance Analyst is responsible for ensuring that our proprietary AI Agents, internal workflows, and third-party vendor solutions adhere strictly to federal, state, and secondary mortgage market regulatory frameworks.

This role serves as a highly technical governance lead. You will bridge the gap between technical execution and regulatory enforcement, critiquing API architectures, and evaluating AI system designs while simultaneously managing our compliance posture across Fannie Mae, Freddie Mac, FHFA, FHA/HUD, VA, and state-level frameworks.

The ideal candidate will have strong data analysis skills, business process understanding, and experience working with AI/ML-driven solutions. A can-do attitude and willingness to try new approaches are essential for success in this dynamic environment.

Responsibilities:

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, including maintaining an active, auditable AI system inventory.
• Federal Agency Mandates: Align AI workflows with FHA/HUD, VA, and FHFA (Advisory Bulletin 2022-02) risk management expectations, ensuring zero disparate impact, fair lending compliance, and clear model explainability.
• 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

• Third-Party Capability Assessment: 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

• Cross-Functional Cadence Reviews: 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:

Experience & Domain Knowledge

• 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.

Technical Capabilities

• 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.

Work Authorization:

Must be able to verify identity and employment eligibility to work in the U.S. without a visa sponsorship.

Physical Demands:

The physical demands described here 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.  Must be able to lift up to ten pounds.  Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination, including use of a keyboard; and to verbally and orally communicate to exchange information.  VISION:  See in the normal visual range with or without correction.  HEARING:  Hear in the normal audio range with or without correction.

Kind Lending is an Equal Opportunity Employer committed to workforce diversity.  Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.

***For your security, Kind Lending will only contact you from email addresses ending in kindlending.com.  Emails from any other domain should be treated as suspicious and may be phishing attempts.

#LI-Remote