Senior Product Counsel, Mortgages

Overview

This role is a Remote position serving as dedicated product counsel for mortgage products offered by the organization. The position combines regulated consumer lending expertise with product development support, including translating complex mortgage regulations into clear, practical guidance.

You will work as the day-to-day legal partner to product and engineering teams building mortgage and integrated home-buying experiences, and you will own the legal lifecycle across the product portfolio.

Responsibilities

• Serve as the primary day-to-day legal point of contact for an assigned set of mortgage products, providing full lifecycle counsel from concept and design through launch and iteration
• Advise product and engineering teams on state and federal mortgage regulatory requirements, including RESPA, TILA, ECOA, UDAAP, and state mortgage licensing
• Partner with AI/ML engineering teams on compliance guardrails for AI-enabled and agentic product features, including hands-on testing of model outputs and development of evaluation criteria for legal and regulatory compliance
• Provide practical, risk-calibrated guidance on product design and disclosures, including how and where mortgage content, pre-approval, and loan application experiences are surfaced across platforms
• Embed with business partners on issues of first impression, pilot programs, and other key initiatives by delivering legal risk analysis and recommendations directly to senior management
• Draft, review, and negotiate commercial and data-rights agreements supporting products, including vendor, technology, and services agreements
• Partner proactively with cross-functional teams and shared services (compliance, privacy, fair lending, marketing, and communications) to identify and resolve legal matters as they arise
• Educate product, engineering, and business partners on mortgage and lending legal requirements so teams can make informed decisions while maintaining velocity
• Coordinate with legal leadership on matters that present enterprise-level or cross-business-line risk

Requirements

• 7+ years of relevant experience with a national or regional law firm or in-house legal department, with meaningful consumer finance, mortgage, or product counseling experience; in-house experience at a mortgage lender, fintech, or prop tech company strongly preferred
• JD with active state bar admission in at least one jurisdiction
• Substantive command of mortgage and consumer lending regulatory framework, with the depth to advise directly on the cited statutes as they apply to live product decisions
• Experience advising on product development, with judgment to provide practical guidance where regulatory answers are not fully settled
• Experience drafting and negotiating commercial agreements such as vendor, technology, or services agreements
• General familiarity with adjacent regulatory frameworks such as GLBA and TCPA, and with emerging state and federal AI/algorithmic regulation (preferred)
• Excellent written and verbal communication skills, including the ability to convey the implications of legal issues and risk clearly to non-lawyers
• Strong organizational skills, including the ability to independently manage competing, time-sensitive projects
• Sound judgment on when to decide independently, when to consult subject matter experts, and when to escalate for broader alignment
• Team-first attitude and ability to build trusted relationships and collaborate across departments and levels

Compensation & Benefits

• In California, Connecticut, Maryland, Massachusetts, New Jersey, New York, Washington state, and Washington DC: standard base pay range is $164,400.00 - $262,600.00 annually
• In Colorado, Hawaii, Illinois, Maine, Minnesota, Nevada, Ohio, Rhode Island, Vermont, and Virginia: standard base pay range is $156,200.00 - $249,400.00 annually
• Additional compensation: eligible for equity awards based on factors such as experience, performance, and location; actual amounts vary
• Employees in this role will not be paid below the salary threshold for exempt employees in the state where they reside

Location

• Remote. Remote employees do not have a permanent corporate office workplace and instead work from a physical location of their choice, which must be identified to the organization.
• U.S. employees may live in any of the 50 United States, with limited exceptions.

Los Angeles County applicants: Job duties for this position include: work safely and cooperatively with other employees, supervisors, and staff; adhere to standards of excellence despite stressful conditions; communicate effectively and respectfully with employees, supervisors, and staff to ensure exceptional customer service; and follow all federal, state, and local laws and organization policies. Criminal history may have a direct, adverse, and negative relationship with some of the material job duties of this position. These include the duties and responsibilities listed above, as well as the abilities to adhere to organization policies, exercise sound judgment, effectively manage stress and work safely and respectfully with others, exhibit trustworthiness and professionalism, and safeguard business operations and the organization’s reputation. Pursuant to the Los Angeles County Fair Chance Ordinance, qualified applicants with arrest and conviction records will be considered for employment in accordance with applicable law.