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Cfpb Jobs in Texas (NOW HIRING)

FocusOne

Default Servicing Manager

Houston, TX · On-site

Ensure CFPB early-intervention and continuity-of-contact requirements are met, including live-contact and written-notice timelines and single point of contact. * Monitor delinquency and roll-rate ...

BSI Financial

AVP of Customer Care & Collections

Irving, TX · On-site

$16.25 - $21.50/hr

Ensure adherence to CFPB, RESPA, FDCPA, FCRA, FHA, VA, GSE, state, and investor servicing requirements. * Maintain strong controls around borrower communications, complaint management, and collection ...

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Cfpb information

See Texas salary details

$41.5K

$78.8K

$115.5K

How much do cfpb jobs pay per year?

As of Aug 8, 2026, the average yearly pay for cfpb in Texas is $78,830.00, according to ZipRecruiter salary data. Most workers in this role earn between $66,100.00 and $88,500.00 per year, depending on experience, location, and employer.

What are some common challenges faced by professionals working at the Consumer Financial Protection Bureau (CFPB)?

Professionals at the CFPB often navigate a complex regulatory environment, balancing consumer advocacy with compliance and enforcement responsibilities. A common challenge is staying updated on evolving financial regulations and interpreting their real-world impact on consumers and financial institutions. Additionally, team members regularly collaborate across legal, policy, and technical departments, which requires strong communication and adaptability. Working at the CFPB provides the opportunity to contribute to impactful public service, but it also demands a commitment to continuous learning and effective teamwork.

What is the work of CFPB?

A CFPB (Consumer Financial Protection Bureau) employee works to enforce federal consumer financial laws, supervise financial institutions, and promote transparency and fairness in the financial industry. They may analyze data, develop policies, and collaborate with stakeholders to protect consumers from unfair practices.

What is the difference between Cfpb vs Compliance Analyst?

AspectCfpbCompliance Analyst
Required CredentialsKnowledge of federal regulations, sometimes legal or regulatory backgroundOften requires certifications like CCEP or CRCM, degrees in law, finance, or business
Work EnvironmentGovernment agencies, regulatory bodies, policy developmentFinancial institutions, consulting firms, corporate compliance departments
Employer & Industry UsageFederal government, consumer protection agenciesBanking, finance, insurance sectors
Search & Comparison IntentUnderstanding regulatory roles, compliance responsibilitiesJob requirements, career paths, certifications

The Cfpb (Consumer Financial Protection Bureau) primarily focuses on regulating financial institutions and protecting consumers through policy and enforcement. Compliance Analysts work within organizations to ensure adherence to these regulations, often requiring similar knowledge but with a focus on internal compliance processes. While Cfpb roles are government-centric, Compliance Analysts are employed across financial sectors to implement and monitor compliance programs.

What are the key skills and qualifications needed to thrive as a Consumer Financial Protection Bureau (CFPB) analyst?

To thrive as a CFPB Analyst, you need a strong background in economics, finance, data analysis, and regulatory compliance, often supported by a relevant degree. Familiarity with data analysis tools like SAS, Stata, or SQL and understanding of federal financial regulations are commonly required. Critical thinking, attention to detail, and effective communication are essential soft skills for interpreting complex information and collaborating across teams. These skills ensure accurate analysis, informed policy recommendations, and the protection of consumer interests in the financial sector.

What is the CFPB?

The Consumer Financial Protection Bureau (CFPB) is a U.S. government agency responsible for protecting consumers in the financial sector. It oversees financial products and services such as mortgages, credit cards, and loans to ensure that consumers are treated fairly by banks, lenders, and other financial institutions. The CFPB enforces federal consumer financial laws, investigates complaints, and provides educational resources to help people make informed financial decisions.
What are popular job titles related to Cfpb jobs in Texas? For Cfpb jobs in Texas, the most frequently searched job titles are:
What job categories do people searching Cfpb jobs in Texas look for? The top searched job categories for Cfpb jobs in Texas are:
What cities in Texas are hiring for Cfpb jobs? Cities in Texas with the most Cfpb job openings:
Cfpb jobs near you
Infographic showing various Cfpb job openings in Texas as of August 2026, with employment types broken down into 100% Full Time. Highlights an 89% In-person, and 11% Remote job distribution, with an average salary of $78,830 per year, or $37.9 per hour.

Default Servicing Manager

FocusOne Mortgage Solutions

Houston, TX • On-site

Full-time

This job post has expired today. Applications are no longer accepted.

Job description

FocusOne is a Credit Union Service Organization (CUSO) based in Northwest Houston, dedicated to helping credit unions and their members thrive through innovative, member-focused solutions. We combine the collaborative spirit of the credit union movement with a fast-paced, solutions-driven culture, allowing our team to make a real impact on the financial well-being of the communities we serve. Our Mortgage Servicing division is currently looking for a Default Manager.
The Default Servicing Manager leads FOMS's default servicing function across the full non-performing lifecycle - collections, loss mitigation, bankruptcy, and foreclosure - for FOMS's own portfolio and its credit-union subservicing clients. Reporting to the Vice President of Mortgage Servicing, this role owns delinquent and defaulted accounts from early-stage delinquency through resolution (reinstatement, workout, payoff, foreclosure sale, or investor claim), and coordinates closely with the Servicing Operations Manager, who owns performing-loan servicing and member service.
Overview
The Default Servicing Manager is responsible for minimizing credit losses while ensuring full compliance with CFPB mortgage servicing rules, investor and GSE guidelines, and applicable federal and state law across all default activities. The role manages the default team, the foreclosure and bankruptcy attorney/vendor network, and investor claim recovery, while safeguarding borrower and member rights throughout the default process.
Key Responsibilities
Collections & Early-Stage Default
  • Direct early-stage collections and delinquency management, including inbound and outbound borrower outreach, promise-to-pay, and repayment arrangements.
  • Ensure CFPB early-intervention and continuity-of-contact requirements are met, including live-contact and written-notice timelines and single point of contact.
  • Monitor delinquency and roll-rate trends and drive cure and reinstatement outcomes.
Loss Mitigation
  • Oversee the full loss mitigation workflow - application intake, completeness review, evaluation, and decisioning - within regulatory and investor timelines.
  • Administer the full range of workout options: repayment plans, forbearance, loan modifications (including agency/GSE programs such as FNMA/FHLMC Flex Modification), short sales, and deeds-in-lieu.
  • Ensure compliance with CFPB loss mitigation procedural protections, including acknowledgment timelines, appeal rights, and the prohibition on dual tracking.
  • Maintain accurate loss mitigation tracking and default reporting codes in MSP.
Bankruptcy
  • Manage all bankruptcy-related accounts (Chapters 7 and 13), including proof of claim filing, motions for relief, pre- and post-petition accounting, and plan monitoring.
  • Ensure compliance with bankruptcy rules - including periodic statements and payment-change/escrow notices under Rule 3002.1 - and with SCRA protections.
  • Coordinate with bankruptcy attorneys and trustees and oversee referrals and case status.
Foreclosure
  • Manage the end-to-end foreclosure process and timelines - referral, first legal, sale, and post-sale activities - in compliance with the 120-day pre-referral rule.
  • Manage the foreclosure attorney/trustee network across all servicing states (TX, LA, NM, OK), ensuring adherence to state-specific processes and investor timelines.
  • Oversee foreclosure hold/stop quality controls to prevent action during active loss mitigation and to ensure regulatory compliance.
Investor Claims & Loss Recovery
  • Oversee timely, accurate filing of investor, agency, and insurer claims (FNMA/FHLMC, FHA/VA/USDA, MI) to maximize recovery and avoid curtailment.
  • Manage advances (taxes/insurance, corporate, escrow) and reimbursement/incentive capture in accordance with investor guidelines.
Compliance & Risk
  • Ensure compliance with CFPB mortgage servicing rules (Reg X/Reg Z default provisions), FDCPA, SCRA, FCRA (default credit reporting), and applicable state foreclosure law.
  • Manage default-related complaints and regulatory inquiries, support audits and exams, and maintain policies, procedures, and controls.
Team Leadership & Reporting
  • Lead, develop, and quality-control the default team and deliver training on regulatory and investor requirements.
  • Report default KPIs (delinquency, roll/cure rates, loss mitigation resolution, foreclosure timeline adherence, claim recovery) to the VP of Mortgage Servicing.

Required Qualifications
  • 7+ years of mortgage servicing experience, with at least 3 years focused on default servicing (collections, loss mitigation, bankruptcy, and/or foreclosure).
  • 2+ years of team leadership or supervisory experience.
  • Working knowledge of CFPB mortgage servicing rules, FDCPA, SCRA, and investor/GSE default guidelines (FNMA/FHLMC).
  • Hands-on experience with a major servicing platform; Black Knight / ICE MSP experience strongly preferred.
  • Experience across the full default lifecycle - collections through foreclosure and investor claims.
  • Strong analytical, negotiation, communication, and organizational skills.
  • Bachelor's degree in business, finance, or a related field, or equivalent experience.

Preferred Qualifications
  • Multi-state default experience, including Texas non-judicial foreclosure and Texas home equity (50(a)(6)) foreclosure via expedited court order (Rule 736).
  • Experience with FHA/VA/USDA and MI claim filing and loss analysis.
  • Credit union / CUSO or subservicing environment experience.
  • Experience managing a foreclosure/bankruptcy attorney network and default vendors.
  • Experience supporting a servicing platform conversion or new-portfolio boarding in a default context.

Apply