---
title: 'Senior Compliance Manager at Trovy'
canonical: 'https://feeny.ai/job/senior-compliance-manager-trovy-new-york-jweyafhv5rdz'
type: 'job'
last_seen: '2026-09-24'
---

# Senior Compliance Manager at Trovy

- **Company:** Trovy
- **Location:** New York, NY
- **Compensation:** $130k–$170k
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-09-23
- **Last confirmed live:** 2026-09-24
- **Apply:** https://jobs.ashbyhq.com/trovy/77ac1ebc-c4d0-437d-a9ad-d53c930f0108/application

**Skills:** TILA/Regulation Z, RESPA, ECOA/Regulation B, FCRA, HMDA, HOEPA, NMLS licensing, MU filings, Call reporting, Regulatory exam support, Vendor risk management, Third-party due diligence, Mortgage origination compliance, Mortgage servicing compliance, Fintech experience, Neobank experience, Mortgage lender experience

> Own and operate Trovy's compliance function, managing regulatory risk across lending and card businesses. Serve as subject matter expert on federal consumer financial laws, manage NMLS licensing, and oversee vendor risk and reporting obligations.

## Job description

## About Us

Trovy is building the financial home base for America's 86 million homeowners — the go-to platform for managing your home and accessing low-rate credit, because life is expensive and unpredictable. We believe your biggest asset should unlock your best financial options: bypass the myriad of expensive, rigid credit products and replace them with one simple, powerful solution built around your home equity. Backed by top-tier venture capital, Trovy is led by a team of proven fintech innovators on a mission to make homeownership and personal finances more manageable. Don't own a home without it.

## Role Overview

We are looking for a seasoned compliance professional to own and operate Trovy's compliance function. You will be embedded across product, operations, marketing, and leadership teams, helping Trovy move fast while managing regulatory risk with rigor across our lending and card businesses and our multi-state regulatory footprint. This is a high-ownership, cross-functional role reporting directly to the Chief Operating & Legal Officer.

## What You'll Be Doing

- Manage and maintain Trovy's compliance management system, including policies, procedures, controls, and regulatory risk frameworks across our lending and card programs
- Serve as a subject matter expert on federal consumer financial law, including TILA/Regulation Z, RESPA, ECOA/Regulation B, FCRA, HMDA, and HOEPA
- Counsel product and engineering teams on compliance requirements for new features and workflows
- Own mortgage servicing compliance, ensuring servicing practices meet applicable legal standards, including customer complaints, escalations, and non-standard servicing situations
- Advise marketing on advertising copy, email, SMS, and digital content under UDAAP, TCPA, and truth-in-lending standards, and manage marketing compliance reviews.
- Track federal and state regulatory developments and advise leadership on implications for Trovy
- Licensing & Regulatory Relations: Manage NMLS licensing across Trovy's state footprint, including new license applications, renewals, amendments, and MU filings; coordinate regulatory examination preparation and response; and support regulatory correspondence and supervisory interactions
- Call Reporting & Regulatory Reporting: Prepare and submit HMDA and other required regulatory call reports; support state-level reporting obligations; and maintain reporting calendars and controls to ensure accuracy and timeliness
- Investor & Bank Partner Reporting: Support compliance reporting obligations to Trovy's loan investors and bank partners, including periodic certifications, covenant compliance, and audit or diligence requests; serve as a key point of contact for compliance-related inquiries from partners
- Vendor Risk Management: Own Trovy's third-party risk management program — conducting initial and ongoing vendor due diligence, maintaining the vendor inventory, assessing compliance and regulatory risk in vendor relationships, and ensuring contractual compliance obligations are appropriately reflected and monitored
- Advise on privacy and data security obligations in a consumer financial services context

## What We're Looking For

- 6+ years of compliance experience in consumer financial services — mortgage lending, open-end credit, or card programs
- Deep knowledge of TILA/Regulation Z (including HELOC-specific rules), RESPA, ECOA, FCRA, and HOEPA
- Hands-on mortgage origination and servicing compliance experience required, including servicing workflows, complaint handling, and loss mitigation
- Direct experience with NMLS multi-state license management, MU filings, call reporting, and regulatory exam support
- Familiarity with investor and bank partner compliance reporting, including certifications, audit support, and diligence
- Experience managing a vendor risk management program, including third-party due diligence and ongoing monitoring
- Fintech, neobank, or mortgage lender experience strongly preferred
- Able to work independently and translate regulatory complexity into clear, actionable guidance

## Compensation & Benefits

- Compensation: $130,000 to $170,000, plus equity, depending on experience and location.
- Market Opportunity: Join a team tackling the $30T home equity market.
- Early Impact: Help shape our operations from the ground up.
- Location: Salt Lake City or New York (both on-site)
- Benefits: 401K account, 100% company-paid dental, medical, vision and life insurance, flexible time off, and more.

## About Trovy

## Core Business
- **Primary industry**: Financial Services – Home equity lending and consumer finance
- **Target customers**: B2C – Homeowners seeking low-cost access to their home equity for debt consolidation, home improvements, or everyday expenses
- **Mission/purpose**: “Your home is your greatest asset. Trovy helps you use it that way.”

## Products & Services
- **Trovy HELOC (Home Equity Line of Credit)**: A digital-first HELOC offering up to $250k with variable rates starting at 5.99% APR. Key features include no upfront draw on loans ≤$100k, funding in as few as 4 days, and a linked Trovy Card (Mastercard) for instant access. Borrowers can choose variable or fixed rates (via FixedPay feature) and can draw, repay, and redraw repeatedly. No application, appraisal, or annual fees; 2% cash back on home purchases and 1% on everything else when using the Trovy Card (no interest on purchases if paid monthly in full).

## Market Standing
- **Valuation/Market Cap**: Not publicly available
- **Key Metric**: Headcount of 15 employees (as of mid-2026), with +214.3% year-over-year growth and +22.2% monthly growth. LinkedIn followers: 1,703 (yearly growth +782.4%).
- **Notable Investors/Partners**: Not disclosed on the website or LinkedIn. The company is privately held and does not list investors publicly.
- **Growth Signals**: Expanded to 20 licensed states (including California) within the first year; featured in NerdWallet (May 2026); rapid headcount growth; alumni from companies like Figure, DocGo, Azibo.

## Competitive Advantages
- **Speed & convenience**: 100% online application, remote notary, and funding in as few as 4 days (vs. traditional HELOC timelines of weeks).
- **Flexibility**: No minimum upfront draw for loans ≤$100k; ability to switch between variable and fixed rates on individual balances; card-based access anywhere Mastercard is accepted.
- **Low cost**: Rates comparable to mortgages, significantly lower than credit cards or personal loans; minimal fees (no application, appraisal, or annual fees; no draw fee when using the Trovy Card for purchases).
- **Modern user experience**: Digital-first, with a focus on eliminating friction (no checks, no in-person meetings).

## Strategic Focus
- **Platform expansion**: Trovy aims to become the standard “homeowner platform,” extending beyond HELOCs into a suite of products that help homeowners manage equity, access credit, and optimize their finances over a lifetime.
- **Geographic growth**: Currently licensed in 20 states, with plans to expand nationwide.
- **Product innovation**: Continued development of the Trovy Card, FixedPay feature, and integration of home equity into everyday spending.

## Why Work Here
- **Culture & mission**: Trovy is a mission-driven fintech startup reimagining home equity access. The team is described as “#Teamgold” – collaborative, fast-moving, and focused on solving a real consumer pain point.
- **Work environment**: Primary office in Manhattan (1460 Broadway, overlooking Bryant Park) with an operations center in Salt Lake City, Utah. The company is early-stage (15 employees), offering significant ownership and impact from day one.
- **Growth opportunity**: Rapid headcount growth (+214% YoY) and a young company (founded 2024) mean early employees can shape the product and culture. Technical roles make up 23% of the team.
- **Perks**: White-glove customer service ethos, modern fintech stack, and a focus on building a category-defining product. The careers page (via Ashby) lists open roles; the company values transparency and speed.

## Sources
1. [trovy.com](https://trovy.com/)
2. [trovy.com/company](https://trovy.com/company/)
3. [trovy.com/careers](https://trovy.com/careers/)
4. [LinkedIn – Trovy Technologies](https://www.linkedin.com/company/trovy-technologies-inc)
5. [Ashby Careers Page](https://jobs.ashbyhq.com/trovy)

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