Legal & Compliance Attorney - Consumer Lending

Job Overview

We seek a seasoned legal professional to ensure our consumer lending products—including mortgages, home equity lines of credit, secured and unsecured credit cards—meet all federal and state regulations, internal policies, our banking partner’s obligations, and industry standards. This role requires a blend of legal expertise, innovative thinking, and problem-solving to keep pace with our evolving product and regulatory landscape.

Key Responsibilities

• Ensure adherence to TILA, RESPA, ECOA, HMDA, FCRA, UDAAP, TRID, and other relevant federal and state consumer lending laws.
• Oversee compliance with specific state lending regulations such as usury limits, servicing practices, licensing mandates, and foreclosure procedures.
• Contribute to developing and updating compliance policies, procedures, and educational materials.
• Support compliance assessments related to loan origination, underwriting, and servicing.
• Conduct periodic audits on disclosures, adverse action notifications, and loan documentation.
• Assist in managing customer grievances, regulatory inquiries, and internal compliance situations.
• Research legislative and regulatory changes impacting consumer finance and update internal documents accordingly.
• Help facilitate compliance training across internal teams.
• Work collaboratively with product and engineering teams to integrate compliance measures into loan origination and servicing systems.
• Review marketing and loan disclosure materials to verify compliance with Regulation Z and UDAAP requirements.
• Participate in third-party vendor risk evaluations, especially regarding loan origination platforms, credit reporting agencies, and payment processors.

Qualifications

• Juris Doctor degree required.
• Minimum of 7 years of legal practice experience, with at least 3 years focused on consumer finance regulatory compliance.
• Prior experience in-house at fintech firms, banking institutions, or mortgage companies preferred.
• In-depth knowledge of secured lending, marketing, and servicing regulations.
• Proficiency with compliance monitoring tools, regulatory databases, and project management software such as Asana.
• Excellent attention to detail, strong analytical and creative problem-solving skills, and superior verbal and written communication abilities.
• Preference given to candidates based in Northern California; strong remote candidates will also be considered.

Additional Information

This position involves joining a small, flat legal and compliance team composed of four attorneys, requiring flexibility and collaboration across various projects including marketing review, audit responses, licensing, vendor management, and dispute resolution. The team values hands-on involvement regardless of seniority, offering opportunities to expand skills and influence company-wide compliance efforts.