Assistant General Counsel - HELOC

Overview

This role involves serving as Assistant General Counsel focused on Home Equity Line of Credit (HELOC) products within a Product & Regulatory Legal team. The position supports the development, launch, and scaling of home lending solutions while ensuring compliance with federal and state regulatory requirements. The legal advisor will collaborate cross-functionally with Product, Engineering, Risk, Compliance, and Operations teams to provide strategic legal guidance throughout the product lifecycle.

Responsibilities

• Provide strategic legal counsel for HELOC products and support transition from 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.
• 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 with other legal teams on Privacy, Fair Lending, Capital Markets, and Commercial contracts as needed.
• Develop legal frameworks, policies, and guidance to enable business growth while managing legal and regulatory risk.
• Engage with internal and external stakeholders, including regulators, bank partners, and outside counsel on HELOC-related legal matters.
• Identify and communicate key legal risks to business partners and senior leadership, distilling complex legal issues into clear 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 primary legal advisor for complex product organizations focused on real-estate secured products.
• Deep expertise in consumer financial services laws and mortgage regulations, including TILA, RESPA, ECOA, FCRA, HMDA, UDAAP, and applicable state and federal banking laws.
• Experience advising cross-functional product development teams and supporting 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 to $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 and life resources.
• Financial wellness resources including planning tools and concierge service (US only).
• Annual wellness and productivity allowances.
• Opportunities for connection through team events, company updates, and employee resource groups.
• Onsite perks at offices in 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 sessions, 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.