Director, Title Risk Assessment and Automation Solutions

At Freddie Mac our mission of Making Home Possible is what motivates us and its at the core of everything we do. Since our charter in 1970 we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose.

Freddie Mac is seeking a highly experiencedDirector Title Risk Assessment and Automation Solutionsto lead the development evaluation and enhancement of automated solutions that assess title risk for single-family mortgage loans. This leader will help define how Freddie Mac identifies loans with low title risk that can be purchased with confidence while maintaining appropriate standards for clear and marketable title risk management consumer protection and regulatory compliance.

This role requires deep subject matter expertise in the title insurance and mortgage industries including title data sources title search and examination processes title underwriting standards title defects curative workflows and automated title decisioning. The successful candidate will understand both the business and technical components of title risk assessment including how to evaluate available title-related data obtain and govern that data and develop or vet rules-based analytics-based and model-supported title risk engines.

The Director will work closely with teams across Freddie Mac including Credit Risk Management Collateral Policy Legal Fair Lending Modeling Technology Seller Engagement Operations Oversight and FHFA-facing stakeholders. This leader will also engage with lenders title vendors settlement service providers data vendors and technology providers to understand market capabilities and drive responsible innovation.

Our Impact:

The Single-Family Credit Risk Management team proactively identifies assesses and mitigates credit risk to support Freddie Macs mission while maintaining a prudent risk profile. We leverage data analytics policy technology and risk management expertise to support liquidity stability affordability and sound risk management in the single-family mortgage market.

Within this broader mission title risk assessment plays a critical role in determining whether loans are supported by clear and marketable title and whether title-related risks can be identified measured mitigated and monitored in a scalable and responsible manner.

As a key leader within Single-Family Credit Risk Management you will be responsible for helping Freddie Mac shape and execute its title risk assessment strategy. Responsibilities include:

• Support the Vice President of Collateral Risk Management in developing and executing Freddie Macs title risk assessment strategy in alignment with Single-Family Credit Risk and Enterprise objectives.

• Lead efforts to identify evaluate and prioritize title-related data sources that can support automated title risk assessment including public records title plants tax data property data lien and judgment data chain-of-title data title insurance data vendor-provided title datasets curative data claims data and other relevant sources.

• Assess the availability accuracy completeness timeliness jurisdictional coverage lineage usability and limitations of title-related data used in automated risk assessment.

• Lead the design evaluation and enhancement of automated title risk assessment engines that identify loans with low title risk and support Freddie Macs ability to purchase eligible loans with confidence.

• Translate title underwriting concepts title search logic title defects curative requirements and marketable-title standards into business rules data requirements decision logic controls and technology requirements.

• Evaluate automated title solutions title data vendors title insurance products and emerging title technologies including support for build/buy/partner decisions.

• Partner with modeling analytics and technology teams to develop and validate title risk decisioning frameworks including rule-based engines scorecards exception logic confidence scoring and model-supported approaches where appropriate.

• Work with Legal Fair Lending Compliance Oversight and regulatory stakeholders to ensure title risk assessment solutions are responsible explainable controlled and aligned with applicable policies laws regulations and Freddie Mac standards.

• Define monitoring and governance frameworks for title risk assessment solutions including performance metrics exception rates defect rates curative outcomes claims experience repurchase risk indicators and emerging risk trends.

• Identify and escalate emerging title risks data quality issues jurisdictional changes vendor performance issues or operational gaps that could affect Freddie Macs risk position.

• Lead strategies that responsibly manage title risk while simplifying the loan manufacturing process improving certainty for lenders reducing borrower costs where appropriate and supporting scalable loan purchase execution.

• Communicate complex title data and risk concepts clearly to senior executives business partners regulators and operational stakeholders.

• 10-12 years of experience in title industry designing/implementing effective title risk assessment solutions with a deep understanding of title related available data and approaches to automated title risk assessments

• Experience in researching and developing title products preferred

• Strong knowledge and experience with strategic use of automation and models to drive business decisions across risk and profitability

• Ability to work effectively and collaboratively with diverse group of stakeholders

• Ability to translate analytics into simple concepts for communicating with senior management

• Ability to empower and inspire action through interpersonal skills

• Proven record of effective leadership including the ability to balance team and individual responsibilities; building teams and consensus; getting things done through others not directly under his/her supervision; working ethically and with integrity

• An MBA in Finance Business related quantitative field or equivalent experience

Keys to Success in this Role:

• Maintaining high standards of work and technical excellence

• Excellent analytical skills and understanding of risk management

• Exhibits independent judgment strong problem solving deep analytical ability to identify assess and mitigate risks and to articulate same

• Confident speaker that is comfortable facilitating discussions with all levels of staff including executives

• Have passion for driving business culture and technology change in dynamic and complex operating environments

Current Freddie Mac employees please apply through the internal career site.

We consider all applicants for all positions without regard to gender race color religion national origin age marital status veteran status sexual orientation gender identity/expression physical and mental disability pregnancy ethnicity genetic information or any other protected categories under applicable federal state or local laws. We will ensure that individuals are provided reasonable accommodation to participate in the job application or interview process to perform essential job functions and to receive other benefits and privileges of employment. Please contact us to request accommodation.

A safe and secure environment is critical to Freddie Macs business. This includes employee commitment to our acceptable use policy applying a vigilance-first approach to work supporting regulatory mandates and using best practices to protect Freddie Mac from potential threats and risk. Employees exercise this responsibility by executing against policies and procedures and adhering to privacy & security obligations as required via training programs.

CA Applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.

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Freddie Mac offers a comprehensive total rewards package to include competitive compensation and market-leading benefit programs. Information on these benefit programs is available on our Careers site.