Heather Sanchez

Results-oriented and forward-thinking Compliance Executive with extensive experience leading regulatory compliance, risk management, and compliance operations across complex financial services and mortgage organizations. Proven success designing and implementing comprehensive Compliance Management Systems, strengthening regulatory oversight, and navigating complex federal and state requirements under intense regulatory scrutiny. Expertise spans Fair Lending, BSA/AML, OFAC, mortgage servicing, consumer protection, regulatory examinations, consent order compliance, compliance monitoring, quality control, policy development, and corrective action remediation.

Recognized for translating complex regulations into practical business solutions, managing multiple high-priority initiatives, and partnering effectively with executive leadership, regulators, and cross-functional teams. Production-minded leader who combines sound regulatory judgment, strategic problem-solving, and operational discipline to mitigate risk, improve processes, and drive sustainable compliance.

Vice President, Compliance - Universal Lending Corporation - Denver, CO

(2024-08)

• Delivered high-quality customer service by resolving compliance inquiries and providing clear, accurate guidance.
• Managed customer requests through a compliance help desk while ensuring timely and professional support.
• Applied knowledge of regulatory compliance, policies, and procedures to resolve complex customer concerns.
• Collaborated with vendors and cross-functional teams to improve service processes and customer experience.
• Used risk management, quality control, and strong attention to detail to ensure positive customer outcomes.

President & Owner - Compliance Clarity LLC - Houston, TX

(2019-12)

• Resolved customer inquiries using regulatory compliance, policies, and procedures to provide clear, accurate support.
• Supported clients through examinations and corrective actions with responsive, professional customer service.
• Identified compliance risks and improved processes to deliver faster, reliable client support.
• Built strong client relationships through clear communication, regulatory guidance, and proactive problem-solving.
• Coordinated with regulators, clients, and teams to resolve issues and meet evolving compliance requirements.

Director of Compliance (part-time consultant) - Nations Reliable Lending - Houston, TX

(2024-09 - 2025-02)

• Delivered responsive customer service through effective compliance, risk, and quality control oversight.
• Resolved customer issues by coordinating examinations, corrective actions, and regulatory requirements.
• Built strong customer relationships through clear communication and proactive problem-solving.
• Improved service quality by identifying compliance risks and strengthening processes.
• Guided teams and customers through complex compliance changes with timely, accurate support.

Chief Compliance Officer - Right Start Mortgage, Inc. - Pasadena, CA

(2023-09 - 2024-08)

• Delivered responsive customer service through compliance and risk management.
• Resolved customer issues using clear communication and regulatory knowledge.
• Managed vendor and help desk needs to improve customer support.
• Strengthened quality control to improve service and customer satisfaction.
• Guided customers through complex compliance and licensing requirements.

Chief Compliance Officer - Chicago Mortgage Solutions LLC - Chicago, IL

(2022-10 - 2023-09)

• Delivered responsive customer service by resolving compliance and regulatory inquiries.
• Supported customers with clear guidance on policies, procedures, and regulatory requirements.
• Managed quality control and risk management to improve customer satisfaction.
• Resolved complex customer issues using strong compliance knowledge and problem-solving skills.
• Assisted customers through loan origination processes while maintaining regulatory compliance.

Mortgage Division, Chief Compliance Officer - Magnolia Bank - Elizabethtown, KY

(2020-07 - 2022-09)

• Strengthened customer service through regulatory compliance, risk management, and quality control.
• Addressed customer concerns with clear communication, problem-solving, and compliance expertise.
• Guided customers through complex mortgage processes while meeting regulatory requirements.
• Improved customer satisfaction through proactive compliance monitoring and issue resolution.
• Established customer trust by providing accurate guidance on HMDA, RESPA, and fair lending requirements.

Senior Vice President, Chief Compliance Officer - Envoy Mortgage, Ltd. - Houston, TX

(2014-08 - 2020-07)

• Strengthened customer service through effective compliance management and risk oversight.
• Addressed customer concerns through complaint management and proactive issue resolution.
• Guided customers through regulatory requirements with clear, accurate communication.
• Improved customer satisfaction by reducing complaint escalations through process improvements.
• Built customer trust through fair lending, compliance training, and responsive support.

Chief Compliance Officer - 1st Alliance Lending, LLC - Houston, TX

(2019-04 - 2019-09)

• Delivered responsive customer service by resolving compliance and regulatory inquiries.
• Supported customers with clear guidance on policies, procedures, and regulatory requirements.
• Managed quality control and risk management to improve customer satisfaction.
• Resolved complex customer issues using strong compliance knowledge and problem-solving skills.
• Assisted customers through loan origination processes while maintaining regulatory compliance.

Vice President, Director of Compliance - Patriot Bank Mortgage, Inc. - Houston, TX

(2013-07 - 2014-07)

• Strengthened customer service through compliance oversight, risk management, and quality control.
• Addressed customer concerns by applying fair lending standards and regulatory requirements.
• Guided customers through mortgage processes with clear communication and compliance support.
• Enhanced service quality through process improvements, regulatory monitoring, and issue resolution.
• Built customer trust through responsive support, accurate guidance, and strong compliance practices.

Vice President of Compliance - 1st Alliance Lending, LLC - Houston, TX

(2011-09 - 2013-07)

• Strengthened customer service through compliance management, risk oversight, and quality control.
• Resolved customer concerns by applying fair lending standards and regulatory requirements.
• Guided clients through mortgage lending processes with clear communication and responsive support.
• Improved service quality through internal audit, compliance monitoring, and proactive issue resolution.
• Built customer trust through compliance training, accurate guidance, and regulatory support.

Manager – Licensing and Regulatory Compliance - Selene Finance LP - Houston, TX

(2009-12 - 2011-09)

• Delivered responsive customer service by resolving high-volume consumer complaints on default and loss mitigation.
• Simplified regulatory changes to guide customers through mortgage servicing requirements.
• Managed loss mitigation licensing while providing timely and accurate customer support.
• Improved customer satisfaction through stronger servicing, escrow, and quality control processes.
• Resolved customer concerns through complaint management, regulatory compliance, and mortgage servicing expertise.

Doctorate - Jurisprudence - Mitchell Hamline School of Law

Bachelor of Science - Business Accounting - University of Phoenix