Our client is seeking a Senior Lending Compliance SME / Senior Consultant to provide independent senior-level guidance and challenge across consumer lending products, governance frameworks, and control environments. This role will assess regulatory and fair-lending risks, support Board and management oversight, and drive compliance improvements across origination, servicing, and collections operations.

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

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, and third-party collection provider controls

Identify material compliance, regulatory, operational, and consumer-risk issues and 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

Partner with cross-functional stakeholders to assess compliance impacts of product, system, and operational changes and provide actionable recommendations on control design, testing methodologies, and audit-finding remediation

Requirements

15–20 years of consumer lending compliance and regulatory expertise

Advanced knowledge of 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, risk assessments, and control frameworks

Solid experience with issue management, policy governance, and third-party oversight

Proven ability to communicate effectively with executive and Board-level stakeholders

Proficiency in developing compliance dashboards and regulatory reporting

Experience in lending origination, servicing, and collections compliance workflows and control testing

Ability to work independently, prioritize complex issues, and deliver actionable compliance recommendations

📌 Senior Lending Compliance SME / Senior Consultant (Toronto)
🏢 ThoughtStorm
📍 Toronto