Assistant General Counsel - HELOC

Overview

This role involves serving as the Assistant General Counsel for Home Equity Line of Credit (HELOC) products within a financial technology organization focused on lending. The position provides strategic legal guidance throughout the product lifecycle, supporting the launch and scaling of innovative home lending solutions while managing legal and regulatory risks.

Responsibilities

• Provide strategic legal counsel to Product, Engineering, Risk, Compliance, and Operations teams for HELOC products and the transition from a state-licensed lender to a national bank.
• Advise on future home lending products, including potential purchase-money mortgages.
• Interpret and apply federal and state consumer lending laws, mortgage regulations, and regulatory developments affecting home lending products and services.
• Collaborate with cross-functional teams to design compliant product features, customer experiences, operational processes, and servicing capabilities.
• Lead legal support for new product initiatives, regulatory change management, and market expansion related to home lending.
• Work closely with other legal teams, including those focused on Privacy, Fair Lending, Capital Markets, and Commercial contracts.
• Develop legal frameworks, policies, and guidance that balance business growth with legal and regulatory risk management.
• Engage with internal and external stakeholders such as regulators, bank partners, and outside counsel on legal matters impacting the HELOC business.
• Identify and communicate key legal risks to business partners and senior leadership, distilling complex legal issues into clear, actionable recommendations.

Minimum Qualifications

• Juris Doctor (JD) degree from an accredited law school.
• Active membership in at least one U.S. state bar.
• 10+ years of legal experience advising financial services, fintech, or mortgage lending organizations.
• Substantial experience as the primary legal advisor for complex product organizations, particularly with real-estate secured products.
• Deep expertise in consumer financial services laws and mortgage regulations, including TILA, RESPA, ECOA, FCRA, HMDA, UDAAP, and applicable state lending and federal banking laws.
• Experience advising cross-functional product development teams and supporting the launch or expansion of regulated financial products.

Preferred Qualifications

• Experience supporting HELOC, mortgage, or other secured lending products throughout the full product lifecycle.
• Experience managing regulatory examinations, enforcement matters, or interactions with federal and state regulators.
• Ability to balance legal risk with business objectives and develop practical, scalable solutions.
• Experience building legal processes and governance frameworks within rapidly growing technology or fintech organizations.
• Familiarity with AI-enabled financial products, digital lending platforms, or emerging regulatory developments affecting financial technology.

Compensation & Benefits

• Anticipated base salary range: $239,200 - $331,000 USD, dependent on geographic location, skills, experience, and education.
• Target bonuses and equity compensation.
• Comprehensive benefits including medical, dental, vision, and 401(k) with company match.
• Employee Stock Purchase Plan (US only).
• Health Savings Account contributions (US only).
• Income protection benefits including life insurance and disability coverage.
• Paid time off, sick leave, company holidays, and paid family/parental leave.
• Family-centered benefits supporting fertility, parenthood, and caregiving.
• Employee Assistance Program offering mental health support.
• Financial wellness resources and concierge service (US only).
• Annual wellness and productivity allowances.
• Opportunities for connection through team events, company updates, and employee resource groups.
• Onsite perks including catered lunches and stocked micro-kitchens at offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026).

Location

• This is a remote position available within the United States.
• The team operates on East and West coast time zones.
• Occasional travel for in-person collaboration is encouraged, typically once or twice per quarter for 2-4 days.

Additional Information

• Candidates must be eligible to work in the United States.
• The organization is an Equal Opportunity Employer committed to inclusive hiring practices.
• Reasonable accommodations are available upon request during the hiring process.