Summary:

The Compliance Counsel provides practical legal and regulatory guidance across the organization, with primary responsibility for mortgage lending and servicing and insurance operations. The role researches and interprets applicable requirements, advises business partners, manages assigned matters, and supports the company’s compliance framework.

This position combines hands-on compliance responsibility with the legal judgment of a licensed attorney. The Compliance Counsel independently handles matters within the role’s scope, escalates significant issues appropriately, and partners with business stakeholders to identify and mitigate regulatory risk.

Essential Job Duties and Responsibilities:

• Advise business partners on federal and state mortgage, consumer financial protection, and insurance laws, regulations, regulatory guidance, policies, procedures, products, and business practices, balancing legal and regulatory requirements, risk management objectives, and business goals.
• Research, analyze, and interpret federal and state legal and regulatory requirements applicable to mortgage lending, servicing, and insurance activities, including consumer protection, privacy, advertising, and related compliance requirements.
• Advise on insurance licensing requirements for individuals and entities, as applicable.
• Advise on insurance sales, marketing, solicitation, disclosure, and customer communication requirements.
• Review business practices, processes, products, documentation, agreements, marketing materials, and proposed initiatives to identify, assess, and mitigate legal and regulatory risks.
• Independently manage assigned legal and compliance matters from intake through resolution, including corrective action planning.
• Draft, review, and negotiate legal, regulatory, compliance, and business documents within the scope of the position's responsibilities.
• Monitor legal and regulatory developments and assess their impact on company policies, procedures, controls, products, operations, and business practices.
• Support regulatory change management efforts, including impact assessments, implementation planning, stakeholder coordination, and ongoing monitoring of regulatory obligations.
• Develop, implement, maintain, and enhance compliance programs, policies, procedures, controls and monitoring activities.
• Coordinate with outside counsel on assigned matters, communicate business objectives, evaluate legal advice and work product, and facilitate timely resolution of matters.
• Prepare materials for and participate in compliance, risk, and governance committees and provide clear, practical, and business-oriented legal and compliance advice to management.
• Present well-reasoned conclusions, risk assessments, and practical recommendations to Legal leadership and business stakeholders.
• Comply with all company policies and procedures.
• Maintain regular and punctual attendance.

Other Job Duties and Responsibilities:

Performs other related duties as assigned.

Supervisory Responsibilities:

• This position is an individual contributor with no direct reports but may provide guidance, leadership, or training to others.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

• Strong legal research, analytical, and writing skills.
• Practical, solutions-oriented judgment and the ability to communicate complex requirements clearly.
• Ability to manage multiple matters independently, prioritize effectively, and escalate issues appropriately.
• Collaborative approach and ability to build effective relationships with Legal, Compliance, operations, and business teams.

Education and/or Experience:

• Juris Doctor degree from an accredited law school.
• Active license to practice law and good standing in at least one U.S. jurisdiction; continued good standing is required throughout employment.
• 5+ years of relevant legal, regulatory compliance, financial services, or related experience preferred. Relevant law firm, in-house, government, clerkship, or other directly applicable experience may be considered.
• Experience with mortgage lending or servicing, insurance, consumer finance, financial services, or another highly regulated industry preferred. Experience with mortgage and insurance regulatory frameworks is strongly preferred.
• Demonstrated ability to research and interpret federal and state laws and regulations, analyze complex issues, exercise sound judgment, and provide concise, business-oriented advice.
• Experience drafting and reviewing legal, regulatory, compliance, or business documents and managing matters across multiple stakeholders.

Certificates, Licenses, Registrations:

• Active license to practice law and good standing in at least one U.S. jurisdiction; continued good standing is required throughout employment.

Work Complexity:

Problems and issues faced are difficult and complex, and may require understanding of broader set of issues. Problems typically involve consideration of multiple issues and understanding of the financial/mortgage industry. Problems are typically solved through drawing from prior experience and analysis of issues.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is normally performed in a typical interior office work environment which does not subject the employee to any hazardous or unpleasant elements. The noise level in the work environment is usually moderate.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds.

Job Responsibilities:

The statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. The company may change the specific job duties with or without prior notice based on the needs of the organization.

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