SAMANTHA MONGEON
Gold Canyon,AZ
Summary
Mortgage compliance expert with over 20 years of experience in bridging the gap between business operations and the ever-evolving regulatory frameworks that govern the finance and real estate industries. Extensive experience in developing compliance management, quality control, and policy programs, driving companies to evolve from startups to industry leaders. Passionate about innovating compliance strategies to ensure seamless integration of regulatory requirements while enhancing business objectives.
Overview
26
26
years of professional experience
Work History
Founder
Concierge Compliance Services, LLC
Gold Canyon, AZ
05.2025 - Current
- Provided tailored licensing and compliance services to independent mortgage brokers and correspondent lenders, ensuring adherence to regulatory standards.
- Developed and maintained custom policies and procedures, enhancing compliance with regulatory demands.
Director of Compliance
OJO Labs
Austin, USA
10.2021 - 06.2025
- Maintained mortgage licensure across 40+ states, ensuring compliance with state-specific regulations.
- Establish a compliance program for a real estate tech firm expanding into mortgage, focused on adherence to RESPA, ECOA, and all other federal and state regulations pertaining to the interplay between real estate and mortgage.
- Assessed risk management practices and controls in collaboration with cross-functional teams, enhancing overall compliance strategy.
- Oversaw regulatory audits to ensure adherence to compliance standards and procedures.
- Support and review key business development initiatives and partnerships that transform real estate leads into mortgage opportunities.
- Implemented solutions to compliance challenges, strengthening operational integrity and adherence to regulatory standards.
Director of Compliance
HomeLight
San Francisco, USA
06.2018 - 09.2021
- Developed compliance platform for real estate lead company expanding into mortgage and settlement services, ensuring adherence to federal and state regulations for settlement services
- Created documentation for cash purchase and bridge loan products, enabling consumers to buy before selling or make cash offers on new home purchases
- Negotiated warehouse relationships to secure funding for alternative financing options under cash purchase programs
Independent Compliance Consultant
08.2017 - 06.2018
- Executed a compliance system build for a mortgage startup
- Focused on developing a proprietary LOS with a compliant and user-friendly customer interface.
- Managed licensing, marketing compliance, and agency approvals
Chief Adventure Officer
Mantha Takes the States
09.2015 - 08.2017
- Took a two-year sabbatical to visit all 49 states you can drive to in a Mini Cooper (including Alaska!) followed by a year's stay in Mexico.
Chief Compliance Officer
The Money Source
Melville, USA
06.2014 - 08.2015
- Revitalize and modernise the compliance management system and regulatory framework for a national wholesale and retail lender
- Obtained and maintained agency approval and managed the company through multiple regulatory and agency examinations, including FNMA, GNMA, and interactions with the CFPB
- Rebuilt entire policy library and built a team to manage all compliance and licensing requirements
- Worked to develop regulatory compliance framework for newly implemented servicing platform
Vice President, Compliance & Risk
Nations Direct Mortgage
Irvine, USA
05.2013 - 05.2014
- Managed all agency and regulatory approvals, including all 51 jurisdictions, FNMA, FHMLC, and government agencies.
- Developed and implemented compliance management program for national wholesale and retail lender
- Ensured implementation of all updated regulatory changes through TRID and the Dodd Frank Act
Education
Juris Doctor -
University of California
San Francisco, California05.2004
Bachelor of Arts -
University of California
Riverside, CA03.1999
Skills
- NMLS Mortgage Licensing
- State & Federal Regulatory Compliance
- Policy & Procedure Development
- Risk Mitigation
Accomplishments
- Gold-Star CMS Track Record: Built proven Compliance Management Systems that have weathered all forms of agency and regulator scrutiny through multiple regulatory changes for multiple national lenders.
- Financial Product Development: Developed program mechanics and authored contracts for industry-changing Cash Purchase and Buy Before You Sell product.
- Non-Profit Establishment: Achieved 501(c)(3) designation for non-profit within three months.
Previous Experience
- Compliance Officer, Eastland Financial Corporation, 12/01/12, 04/01/13
- Director of Compliance & Licensing, Prospect Mortgage, 08/01/06, 08/01/11
- Compliance Officer, Gold Reverse, 11/01/07, 07/01/08
- Compliance Officer, Mylor Financial, 04/01/05, 08/01/08
Volunteer Experience
CFO, Secretary, and Board Member, Secret Land ARP, 11/01/18, Present, Filed and obtained a 501(c)(3) designation for a women's artist residency program. Work to maintain status and implement controls so that the charity can remain an ongoing concern.
Timeline
Founder
Concierge Compliance Services, LLC
05.2025 - Current
Director of Compliance
OJO Labs
10.2021 - 06.2025
Director of Compliance
HomeLight
06.2018 - 09.2021
Independent Compliance Consultant
08.2017 - 06.2018
Chief Adventure Officer
Mantha Takes the States
09.2015 - 08.2017
Chief Compliance Officer
The Money Source
06.2014 - 08.2015
Vice President, Compliance & Risk
Nations Direct Mortgage
05.2013 - 05.2014
Juris Doctor -
University of California
Bachelor of Arts -
University of California