Elizabeth Meza

In my role as the Mortgage Compliance Director at Optimum, I am responsible for the development, implementation, and management of the company's mortgage compliance programs. This involves ensuring compliance with federal and state regulations through the creation of policies, conducting risk assessments, performing audits, providing staff training, and preparing regulatory reports. I also serve as a vital link between leadership and regulatory agencies to reduce legal risks and foster ethical lending practices.

I am responsible for preparing and submitting XML reports in NMLS (call reports) and to state regulators for quarterly reporting. I ensure that compliance requirements are met and that all reports are submitted in a timely manner. I also obtain and maintain Corporate Licensing, leveraging my extensive experience with company licensing needs and the sales team.

As the head of the Licensing Department, I am well-versed in the practices and procedures within the Mortgage licensing sector. I serve as the NMLS Administrator.

I have researched and assessed state and federal laws, as well as federal and state guidelines, rules, and regulations for RESPA, TILA, HMDA, DFPI, and CFPB Investor requirements, along with government (FHA, VA, and USDA) requirements.

I have contributed to enhancing business practices and provided counsel and guidance to Senior Management on business risk assessments.

I Support Marketing Team and assist with marketing compliance by reviewing marketing materials and providing feedback and I’m responsible for monitoring Social Media activity for both Individuals & Company.

I served as the primary point of contact for Compliance with agencies and investors, ensuring the accuracy of information related to regulations in risk assessment tools while promoting consistency in controls. I oversee and manage the company’s LEI-GMEIU account.

I drafted and researched policies and procedures with compliance implications, including the updating or introduction of necessary forms and disclosures.

I monitored and ensured the implementation of operational changes required to comply with Agency and regulatory updates. I possess a thorough understanding of state and federal laws and regulations related to mortgage compliance.

I managed investor relations and warehouse lines, which included completing applications for investor approval and fulfilling annual certification-specific requirements as well as serving as the head of the Trailing Docs Department and QC. I’m the Comergence Administrator.