Overview
This role supports responsible innovation across lending products, with a focus on legal guidance for HELOC (Home Equity Line of Credit) and potential development of new real estate secured products. The role works closely with Product, Engineering, Compliance, Risk, Operations, and other legal teams to help launch, scale, and manage legal and regulatory risk across the product lifecycle.
Responsibilities
- Provide strategic legal counsel to Product, Engineering, Risk, Compliance, and Operations teams to support the HELOC product, including transition from a state-licensed lender to a national bank.
- Advise on federal and state consumer lending laws, with a focus on secured lending products, mortgage regulations, and regulatory developments affecting home lending.
- Provide legal counsel and advice for future products, which may include purchase-money mortgages.
- Partner with cross-functional stakeholders 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 efforts related to home lending.
- Collaborate within the Product & Regulatory Legal team and with other legal teams (as needed), including those supporting Privacy, Fair Lending, Capital Markets, and commercial contracts.
- Work with internal and external stakeholders, including regulators, bank partners, and outside counsel, on matters affecting the HELOC business.
- Identify and communicate key legal risks to business partners, including the ability to distill complex issues into clear, actionable guidance for senior leadership.
Requirements (Minimum Qualifications)
- Juris Doctor (JD) degree from an accredited law school and active membership in at least one U.S. state bar.
- 7+ years of legal experience advising financial services, fintech, or mortgage lending organizations, including substantial experience serving as the primary legal advisor for complex product organizations with a focus 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 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 supporting regulatory examinations, enforcement matters, or interactions with federal and state regulators.
- Ability to balance legal risk with business objectives and develop practical, scalable solutions for product teams.
- 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 (United States | Remote): $208,000 - $287,900 USD
- Additional compensation may include: target bonuses and equity compensation (including annual equity grants that vest quarterly).
- Retirement benefits: 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada).
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only).
- Comprehensive health coverage (medical, dental, vision) for US employees; supplemental health coverage for Canada.
- Health Savings Account contributions for eligible plans (US only).
- Income protection benefits including life insurance and disability coverage.
- Paid time off, sick leave, and company holidays per local requirements.
- Paid family and parental leave (duration varies by country).
- Family-centered benefits supporting fertility, parenthood, and caregiving needs.
- Employee Assistance Program (EAP) offering mental health support and life-centered resources.
- Financial wellness resources, including financial planning tools and a financial concierge service (US only).
- Annual wellness allowance.
- Annual productivity allowance.
Location
- Remote
- Time zone requirements: East/West coast time zones.
- For roles based in Canada: hiring is not currently available in Quebec.
- Travel/in-person expectations: work can largely be completed remotely; regular in-person onsite collaboration is encouraged. Onsite cadence varies by team and role, and most teams meet once or twice per quarter for 2–4 consecutive days at a time.