Legal & Compliance

About the role

This position involves ensuring aven's consumer lending products meet all federal and state regulations, internal guidelines, and partner bank requirements. The work requires innovative problem-solving in a fast-paced environment as we develop new financial products. You will apply your legal expertise to interpret laws, draft documents, manage disputes, and advise on risk.

Key facts

What you'll do

• Help ensure compliance with federal and state consumer lending regulations, including TILA, RESPA, ECOA, HMDA, FCRA, UDAAP, and TRID.
• Monitor adherence to state-specific lending laws, such as usury, servicing, licensing, and foreclosure rules.
• Support the creation and upkeep of compliance policies, procedures, and training materials.
• Assist with compliance reviews for loan origination, underwriting, and servicing processes.
• Conduct regular audits of required disclosures, adverse action notices, and loan documents.
• Help respond to customer complaints, regulatory inquiries, and internal issues.
• Research federal and state regulatory changes affecting consumer lending.
• Assist in updating policies and procedures to reflect new laws and regulations.
• Support compliance training initiatives for internal teams.
• Work with product and engineering teams to integrate compliance into loan servicing and creation.
• Review marketing materials and loan disclosures for Regulation Z and UDAAP compliance.
• Assist with third-party vendor risk assessments, particularly for loan origination systems, credit reporting agencies, and payment processors.

Requirements

• Education: Juris Doctorate degree.
• Experience: At least 7 years of legal practice, with a minimum of 3 recent years focused on consumer finance regulatory work.
• Knowledge: Strong understanding of secured lending, marketing, and servicing laws.
• Skills: Detail-oriented, analytical, creative problem-solver, and strong verbal and written communication.

Nice to have

• In-house experience at a fintech company, bank, or mortgage company.
• Preference given to candidates who can work in the office frequently in Northern California, though strong remote candidates will be considered.

Skills & tools

• Compliance monitoring tools
• Regulatory databases
• Task management systems (e.g., Asana)

Practical notes

This is an on-site position.