Co-Founder & Principal Compliance Officer, Mortgage Compliance Group

J.P. Ciudad brings over 25 years of experience in mortgage lending and banking — with a perspective few compliance professionals can claim. Having served as a regulatory examiner with both the Federal Deposit Insurance Corporation (FDIC) and the Arizona Department of Financial Institutions (AZDIFI), J.P. knows firsthand what regulators look for and how to build programs that pass scrutiny.

His career spans leadership roles as Chief Compliance Officer and Internal Audit Director in the private sector, complemented by deep expertise in credit analysis, cash flow analysis, and Fair Lending. J.P. has held the Certified Fraud Examiner (CFE) designation since 2008 and became a Certified Anti-Money Laundering Specialst (CAMS) in 2013.

Through Mortgage Compliance Group, J.P. delivers all the benefits of an effective Compliance Management System — without the expense of a full-time COO. His clients include independent mortgage brokers, non-bank lenders, and community financial institutions across the country.