Regulatory 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 • Lead and support regulatory change management by monitoring legal developments, interpreting requirements, and advising on implementation strategies • Advise on new and expanded business initiatives, products, and lines of business • Assess regulatory risk and structure compliant solutions • Conduct legal research and deliver actionable guidance to business and compliance stakeholders • Partner with Senior Regulatory Counsel and Compliance, Operations, Product, and Technology teams • Translate legal and regulatory requirements into operational controls within loan origination and compliance systems • Develop and maintain internal compliance resources, including a Mavent Compliance Guide • Draft, review, and update policies and procedures • Identify regulatory risks and compliance gaps and recommend mitigation strategies and process improvements • Support internal audits, examinations, and regulatory inquiries by preparing responses and documentation

🎯 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 such as Encompass and compliance tools such as Mavent, preferred • Excellent analytical, issue-spotting, and problem-solving skills • Excellent communication skills and ability to provide clear, concise legal guidance to diverse stakeholders • Ability to interpret complex legal requirements and translate them into practical, operationally sound business solutions • Ability to manage multiple priorities in a dynamic, evolving regulatory environment

🏖️ Benefits

• Competitive compensation plan • Medical insurance • Dental insurance • Vision insurance • 401K • Company-provided short-term disability • Employee assistance program • Wellness program • Robust benefits package • Equal employment opportunity and diversity and inclusion commitment