Compliance Attorney

Job not on LinkedIn

🕒 May 27

🚗 Michigan – Remote

🚗 Michigan – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧑‍💼 Attorney

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Towne Mortgage Company

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 1982

💸 Finance

💳 Fintech

👥 B2C

Finance • Fintech • B2C

Towne Mortgage Company is a financial services firm specializing in mortgage lending. They focus on providing a seamless and straightforward experience for borrowers looking to purchase or refinance their homes. With a commitment to customer service, Towne Mortgage aims to assist clients through every step of the mortgage process, from application to closing.

📋 Description

• Provide day-to-day legal advice on mortgage regulatory compliance and operational matters impacting origination and servicing functions. • Interpret and apply federal and state laws, including: TILA, RESPA (including TRID), ECOA, FCRA, FDCPA, TCPA, and other CFPB regulations and guidance. • Advise business teams on the implementation of regulatory changes and risk mitigation strategies. • Analyze new or amended laws and determine applicability to Towne’s business operations. • Review and advise on consumer-facing disclosures, communications, and regulatory notices. • Draft, review, and negotiate vendor agreements, investor/third-party contracts, and other business arrangements. • Ensure contractual terms align with applicable laws, investor requirements, and internal policy controls. • Support Towne’s Compliance Management System (CMS) by advising on policies, procedures, and controls, and supporting compliance risk assessments and monitoring. • Partner with Compliance and QC teams to address findings, corrective actions, and root cause analyses. • Assist in developing and maintaining policies, procedures, and training programs designed to ensure adherence to regulatory requirements. • Provide legal support for enterprise risk management and compliance oversight functions (including vendor management and third-party risk where applicable). • Assist with consumer complaint escalations and regulatory responses, including drafting responses to agencies where necessary. • Conduct legal research on various mortgage-related topics as necessary. • Provide concise summaries of legal requirements and operational impact for leadership decision-making. • Support the culture of risk/compliance aligned with Towne’s enterprise risk and CMS framework

🎯 Requirements

• Juris Doctor (JD) from an accredited law school • Active license and good standing with at least one U.S. state bar • 3+ years of experience in mortgage, financial services, or regulatory compliance. • Demonstrated knowledge of federal consumer financial laws (TILA, RESPA, ECOA, FCRA, FDCPA, TCPA) • Experience interpreting and applying state-level consumer protection and mortgage laws • Strong contract drafting, review, and negotiation skills • Experience providing practical legal guidance in a business environment • Excellent analytical, communication, and problem-solving skills • Preferred CRCM, CMCP, or similar compliance certification • Experience with mortgage origination and/or servicing operations • Experience supporting regulatory examinations, audits, and enforcement actions • Prior experience within a mortgage lender or servicer • Familiarity with investor guidelines (Fannie Mae, Freddie Mac, FHA/VA/USDA)