Regulatory Counsel

Responsibilities

• Provide legal analysis and advice on federal and state mortgage lending laws and regulations, ensuring the company operates in compliance.
• Lead and support regulatory change management, including monitoring legal developments, interpreting requirements, and advising on implementation strategies across impacted business areas.
• Collaborate as legal counsel for new and expanded business initiatives, products, and lines of business, including assessing regulatory risk and structuring compliant solutions.
• Conduct in-depth legal research and deliver clear, actionable guidance to business and compliance stakeholders.
• Partner with Senior Regulatory Counsel, and cross-functional teams (including Compliance, Operations, Product, and Technology) to develop practical, business-oriented solutions to regulatory challenges.
• Translate legal and regulatory requirements into operational controls within loan origination systems (e.g., Encompass) and compliance tools (e.g., Mavent).
• Develop and maintain internal compliance resources, including guidance materials such as a Mavent Compliance Guide.
• Draft, review, and update policies and procedures to reflect regulatory changes, new products, and evolving business practices.
• Identify regulatory risks and compliance gaps and recommend mitigation strategies and process improvements.
• Support internal audits, examinations, and regulatory inquiries, including preparing responses and documentation as needed.

• Juris Doctor (JD) from an accredited law school.
• Active bar membership in good standing in at least one U.S. jurisdiction.
• 2+ years of relevant legal or regulatory compliance experience in the banking or mortgage industry, preferred.
• Experience advising on consumer mortgage lending laws and regulations, including TILA/Regulation Z, RESPA, ECOA, HMDA, and applicable state laws.
• Experience supporting regulatory change management and/or product counseling in a financial services environment.
• Familiarity with loan origination systems (e.g., Encompass) and compliance tools (e.g., Mavent), preferred.
• Excellent analytical, issue-spotting, and problem-solving skills.
• Excellent communication skills, skilled in providing clear and concise legal guidance to diverse stakeholders.
• Skilled at interpreting complex legal requirements and translating them into practical, operationally sound business solutions.
• Skilled at managing multiple priorities and operating effectively in a dynamic, evolving regulatory environment.