Underwriting & Quality Control Manager
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Key skills for this role
Role Overview
The Manager leads Canadian residential mortgage file quality control and due diligence while managing the QC team.
The role combines hands-on file review, underwriting and compliance expertise, client support, and AI-assisted review governance.
The position reports to the COO and supports engagement scoping, client relationships, and business development.
Key Skills for This Role
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About TAO Solutions
TAO Solutions is a boutique software provider specializing in securitization and structured finance technologies.
The company operates from Toronto with additional offices in Sydney and San Diego.
Position Summary
The Manager leads Canadian residential mortgage file quality control and due diligence while managing the QC team.
The role combines hands-on file review, underwriting and compliance expertise, client support, and AI-assisted review governance.
The position reports to the COO and supports engagement scoping, client relationships, and business development.
Core Responsibilities
- Review residential mortgage files across credit, income, assets, collateral, valuation, and compliance.
- Test AML/ATF and KYC compliance and investigate fraud or misrepresentation indicators.
- Design sampling methods, manage exceptions and rebuttals, and produce findings reports.
- Own final sign-off, complex file reviews, policy interpretation, disputed gradings, and reviewer disagreements.
- Maintain regulatory instruments, insurer requirements, lender policies, checklists, grading rubrics, procedures, and audit work programs.
- Support client onboarding, scope definition, appeals, escalations, complaints, service-level agreements, and engagement expansion.
- Pursue new client and engagement opportunities, including proposals, pricing, scope, and RFP responses.
- Lead team training, performance management, recruitment support, succession planning, and AI workflow adoption.
Qualifications and Experience
- 8–12 years of progressive Canadian residential mortgage underwriting, adjudication, funding, quality control, audit, or due diligence experience.
- At least 3 years leading, supervising, or coaching a review or underwriting team and experience operating a formal QC program.
- A relevant degree or equivalent education and directly relevant mortgage experience.
- Completion of Ontario mortgage licensing education or an equivalent provincial program.
- Working knowledge of OSFI, mortgage insurer, FINTRAC, PCMLTFA, provincial brokerage, PIPEDA, and Quebec Law 25 requirements.
- Advanced proficiency with mortgage systems, document management systems, Excel, reporting tools, structured data, and review platforms.
- Ability to write concise, evidence-led findings and exercise sound judgment with confidential information.
Preferred Qualifications
- An active or previously held mortgage agent or broker licence and an accredited mortgage designation are strongly preferred.
- CAMS, CPA, CFA, FRM, CIA, or Lean/Six Sigma accreditation is advantageous.
- French language skills are considered an asset because of file volume originating in Quebec.
- Experience with prime, alternative, private, construction, commercial-residential, or securitized mortgage portfolios is advantageous.
Compensation and Benefits
- Base compensation is $110,000–$145,000 per year.
- Additional compensation may include vacation, employer-paid benefits, profit sharing, and bonus participation.
Work Arrangements
- TAO Solutions offers hybrid and flexible work arrangements.
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