- Serves as the senior legal resource for Georgia United's business unit personnel primarily on consumer banking matters, including deposit products, retail lending, consumer protection, and regulatory compliance. Exercises independent judgment across routine and complex consumer banking issues, engaging the CRO/GC on matters with significant enterprise risk or policy implications.
- Leads the development, review and revision of legal documents relevant to consumer banking, including Membership and Account Agreements, retail lending agreements, regulatory disclosures, and consumer protection notices.
- Leads and coordinates with outside counsel as needed to consult on consumer banking litigation, consumer protection, and regulatory compliance, coordinating with the CRO & GC to ensure alignment with organizational goals.
- Stays current on legislation, regulations, judicial developments, and trends affecting consumer banking, credit unions, and the financial services industry. Translates the evolving landscape into strategic recommendations and proactive risk mitigation for senior leadership and business unit partners.
- Analyzes and interprets consumer banking laws, rulings, and regulations, providing recommendations and probable outcomes for the credit union. Exercises senior-level judgment within established parameters, providing recommendations that directly inform business decisions and risk management strategies.
- Advises business units in partnership with the Compliance team on NCUA, CFPB, and other consumer regulatory compliance matters related to consumer banking, deposit products, retail lending, Regulation Z, FCRA, FDCPA, FACTA, Truth In Lending Act (TILA), privacy, as well as applicable federal or state consumer protection laws and regulations, including Unfair, Deceptive, or Abusive Acts and Practices (UDAAPs).
- Contributes to the broader legal function as a senior leader, modeling independent initiative and sound legal judgment. Participates in enterprise-level projects, cross functional initiatives, and strategic planning as directed by the CRO/GC.
Statement of UnderstandingThis job description is intended to provide a general overview of the essential duties, responsibilities, requirements, and working conditions associated with the position. It is not intended to be an exhaustive or comprehensive list of all tasks or responsibilities. The organization may assign additional duties or modify existing ones as needed, at its discretion. Job descriptions may be updated periodically to reflect business needs and organizational changes.
