Data Modeler

Home Lending Data Modernization & FR Y-14M Regulatory Reporting (Google Cloud Platform BigQuery)

Domain

Home Lending, Regulatory Reporting, Banking & Financial Services

Project Overview

We are seeking an experienced Data Modeler to support a strategic Home Lending Data Modernization and Regulatory Reporting Transformation initiative. The program aims to modernize and simplify the Home Lending data ecosystem by migrating legacy data platforms and reporting processes to a scalable, cloud-based architecture on Google Cloud Platform (Google Cloud Platform) utilizing BigQuery.

The Data Modeler will play a critical role in designing enterprise-scale data models supporting FR Y-14M Mortgage Reporting, regulatory reporting, risk management, data governance, analytics, and self-service reporting capabilities. The role requires strong expertise in banking data, mortgage servicing and origination data, regulatory reporting, and cloud-based data modeling practices.

Role Summary

The Data Modeler will be responsible for developing conceptual, logical, and physical data models for Home Lending and FR Y-14M reporting domains. The individual will collaborate closely with business stakeholders, regulatory reporting teams, data architects, data engineers, business analysts, governance teams, and cloud engineering teams to establish standardized and scalable data structures within the Google Cloud Platform ecosystem.

This role requires a deep understanding of mortgage data, loan lifecycle processes, regulatory reporting data requirements, and cloud-native data architecture patterns.

Key Responsibilities

Data Modeling & Architecture

Design and maintain conceptual, logical, and physical data models for Home Lending and Regulatory Reporting domains.
Develop scalable data models optimized for Google BigQuery.
Create enterprise data structures supporting below or similar:
o    Mortgage Origination

o    Mortgage Servicing

o    Customer Information

o    Collateral Data

o    Loan Performance

o    Delinquency Management

o    Loss Mitigation

o    Regulatory Reporting

Define data relationships, cardinality, business rules, and metadata standards.
Design canonical and harmonized data models across multiple source systems.
FR Y-14M Regulatory Reporting or similar

Analyze and model data required for FR Y-14M schedules including:
o    First Lien Mortgage

o    Home Equity

o    Loan-Level Performance Reporting

o    Borrower Information

o    Property Information

o    Servicing Data

o    Delinquency & Default Data

Translate regulatory requirements into data attributes and reporting structures.
Ensure data model compliance with Federal Reserve reporting requirements.
Support regulatory examinations, audits, and data lineage documentation.
Data Modernization

Support migration of legacy warehouse and reporting environments to Google Cloud Platform.
Model data ingestion, transformation, and reporting layers.
Design data models for:
o    Raw Layer

o    Curated Layer

o    Business Layer

o    Reporting Layer

Define standards for reusable data assets and reporting datasets.
Partner with architects to implement modern cloud-based data architecture patterns.
Data Governance & Quality

Establish enterprise data standards and naming conventions.
Define business metadata and technical metadata.
Collaborate with governance teams on:
o    Data Quality Rules

o    Data Lineage

o    Data Controls

o    Reference Data Management

o    Data Cataloging

Ensure compliance with enterprise data governance frameworks.
Stakeholder Management

Collaborate with:
o    Business Analysts

o    Product Owners

o    Regulatory Reporting Teams

o    Data Engineers

o    Data Architects

o    Controls Teams

o    Risk Management Teams

Conduct data discovery workshops and model review sessions.
Present data model designs to business and technical stakeholders.
Required Qualifications

Education

Bachelor''s Degree in Computer Science, Information Systems, Engineering, Finance, or related discipline.
Experience

12+ years of Data Modeling experience.
5+ years within Banking, Financial Services, or Regulatory Reporting.
Experience supporting large-scale Data Warehouse or Cloud Modernization initiatives.
experience in Home Lending and Mortgage data domains.
supporting FR Y-14 regulatory reporting initiatives or similar regulatory exposure
Required Technical Skills

Data Modeling

Conceptual Data Modeling
Logical Data Modeling
Physical Data Modeling
Dimensional Modeling
Data Vault Modeling
Star Schema Design
Snowflake Schema Design
Normalization & Denormalization Techniques
Cloud & Data Platforms

Google Cloud Platform (Google Cloud Platform)
BigQuery
Cloud Storage
Dataproc
Dataflow
Pub/Sub
Cloud Composer
Databases & Warehousing

Oracle
SQL Server
Teradata
BigQuery
Hive
Data Management

Metadata Management
Data Lineage
Data Governance
Data Quality
Master Data Management (MDM)
 

Preferred Qualifications

Experience working with Large U.S. Banks.
Familiarity with risk and finance data domains.
Experience working in Agile delivery environments.
Knowledge of AI-assisted data discovery and metadata management tools.
Tools & Technologies

Data Modeling Tools

ERwin Data Modeler
ER/Studio
SAP PowerDesigner
SQL Developer Data Modeler
Cloud & Engineering

Google Cloud Platform BigQuery
Dataflow
Dataproc
Cloud Composer
Cloud Storage
Success Criteria

The successful candidate will:

Deliver enterprise-grade data models supporting Home Lending and FR Y-14M reporting.
Enable migration from legacy platforms to Google Cloud Platform BigQuery.
Improve data consistency, quality, and regulatory compliance.
Establish scalable and reusable regulatory reporting datasets.
Support reduction of reporting complexity and improved data traceability.
Enable self-service analytics and future-state regulatory reporting capabilities.
Nice-to-Have Domain Expertise

Mortgage Origination Systems (LOS)
Mortgage Servicing Platforms
Enterprise Regulatory Reporting
Data Controls and Data Reconciliation Frameworks
This position is ideal for a senior data professional who can bridge business, regulatory, and technical domains while driving the modernization of a Home Lending regulatory reporting platform on Google Cloud Platform and BigQuery.