Lending Regulatory Counsel

Responsibilities

• Provide legal and regulatory advice on lending products, including Reg Z, Reg B, Fair Lending, and state lending licensing regulations.
• Act as a subject matter expert for legal, regulatory, and industry requirements for consumer and commercial lending, bank partnership arrangements, model risk management, and related financial services activities.
• Lead resolution of complex, cross-functional regulatory and bank partnership issues, exercising independent judgment in evaluating risk, trade-offs, and escalation paths.
• Serve as a trusted advisor to senior business, product, compliance, and bank partner stakeholders, translating legal and regulatory risk into clear, actionable guidance.
• Summarize and analyze the impact of new and evolving rules and regulations, and proactively flag implications for the business.
• Provide legal support and strategic input on emerging and novel consumer financial products, helping shape product development from concept through launch.

Requirements

• 8+ years of experience at a law firm (with lending advisory experience), a financial services regulatory agency, in a bank partnership role, or in-house.
• Substantive experience with lending and bank partnership issues/relationships.
• Demonstrated ability to independently lead and drive complex legal and regulatory issues to resolution.
• Experience engaging directly with senior stakeholders across legal, compliance, product, and business teams.
• JD and an active membership and good standing with the Bar of resident state and/or the California Bar or New York Bar.

Nice-to-Haves

• Experience with emerging or novel consumer financial products.
• Fair lending experience.
• Experience with FinTech, lending, and bank partnership relationships; experience at a tech company or in fintech.
• High degree of comfort and fluency with technology, and understanding of how technology is applied to business and regulatory problems.