Regulatory Counsel

🕒 May 13

🗽 New York – Remote

🗽 New York – Remote

💵 $90k - $132k / year

⏰ Full Time

🟢 Junior

🟡 Mid-level

⚖️ Legal Counsel / General Counsel

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CrossCountry Mortgage, LLC

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

💸 Finance

💰 $400M Debt Financing on 2021-11

Finance

CrossCountry Mortgage, LLC is one of America’s leading retail mortgage lenders, providing a range of mortgage solutions for homebuyers, homeowners looking to refinance, and those seeking home equity loans. They offer a comprehensive suite of services including home purchase loans, mortgage refinancing, and home equity lines of credit (HELOC). The company prides itself on helping clients navigate the home buying process with ease, whether they are first-time buyers or seasoned investors. Known for their competitive interest rates and efficient loan processing, CrossCountry Mortgage aims to support their clients in achieving their home ownership and financial goals.

📋 Description

• Provide legal analysis and advice on federal and state mortgage lending laws and regulations, ensuring the company operates in compliance • Lead and support regulatory change management, including monitoring legal developments, interpreting requirements, and advising on implementation strategies across impacted business areas • Collaborate as legal counsel for new and expanded business initiatives, products, and lines of business, including assessing regulatory risk and structuring compliant solutions • Conduct in-depth legal research and deliver clear, actionable guidance to business and compliance stakeholders • Partner with Senior Regulatory Counsel, and cross-functional teams (including Compliance, Operations, Product, and Technology) to develop practical, business-oriented solutions to regulatory challenges • Translate legal and regulatory requirements into operational controls within loan origination systems (e.g., Encompass) and compliance tools (e.g., Mavent) • Develop and maintain internal compliance resources, including guidance materials such as a Mavent Compliance Guide • Draft, review, and update policies and procedures to reflect regulatory changes, new products, and evolving business practices • Identify regulatory risks and compliance gaps and recommend mitigation strategies and process improvements • Support internal audits, examinations, and regulatory inquiries, including preparing responses and documentation as needed

🎯 Requirements

• Juris Doctor (JD) from an accredited law school • Active bar membership in good standing in at least one U.S. jurisdiction • 2+ years of relevant legal or regulatory compliance experience in the banking or mortgage industry, preferred • Experience advising on consumer mortgage lending laws and regulations, including TILA/Regulation Z, RESPA, ECOA, HMDA, and applicable state laws • Experience supporting regulatory change management and/or product counseling in a financial services environment • Familiarity with loan origination systems (e.g., Encompass) and compliance tools (e.g., Mavent), preferred • Excellent analytical, issue-spotting, and problem-solving skills • Excellent communication skills, skilled in providing clear and concise legal guidance to diverse stakeholders • Skilled at interpreting complex legal requirements and translating them into practical, operationally sound business solutions • Skilled at managing multiple priorities and operating effectively in a dynamic, evolving regulatory environment.

🏖️ Benefits

• Medical • Dental • Vision • 401K • Company-provided short-term disability • Employee assistance program • Wellness program