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Fulton, MD

Senior Legal Regulatory Analyst

The Consultant


Posted 1/8/2018

This position will have exposure to a wide variety of management level employees throughout the Company, including Executive Leadership and the General Counsel.  This position primarily is responsible for supporting the Company’s residential mortgage loan operations which focuses primarily on Veterans Administration (VA), Federal Housing Administration (FHA) and Government National Mortgage Association (GNMA) s as they apply to mortgage loan operations.  This position will be responsible for providing legal support to the business line related to regulatory compliance, licensing and examinations. 

 

 

POSITION DUTIES AND RESPONSIBILITIES

  • Monitor developments in relevant laws relevant to lending and originations, including RESPA, TILA, FCRA, GLBA, TRID, HOPA and CFPB rules as well as state specific laws and regulations.
  • Monitor and evaluate practices and processes with respect to data breach security and recommend changes where required.
  • Monitor and evaluate practices and processes with respect to GLBA/AML policies & processes and recommend changes where required.
  • Administer the SAR reporting process
  • Assist in suggesting improvements to and enhancements of the compliance management system
  • Conduct analysis of residential mortgage loan laws and regulations, including but not limited to RESPA, TILA, FCRA, GLBA, TRID, ECOA, HOEPA, UDAAP and CFPB rules as well as state specific laws and regulations.
  • Conduct analysis of servicing laws including but not limited to RESPA, TILA, EFTA, FDCPA, HPA, FCRA, GLBA, TRID, ECOA, SCRA, UDAAP HOEPA and CFPB rules as well as state specific laws and regulations.
  • Explain the law and its implications to the client to support business decisions and document such advice in a sustainable and business oriented format.
  • Other legal support including some contract review and vendor management support

 

POSITION QUALIFICATIONS

Education/Certification:

  • Member in good standing of the bar in any jurisdiction of the United States.
  • Some  knowledge of consumer laws and regulations impacting the mortgage business, including Truth-In-Lending and Regulation Z (including significant experience with loan originator compensation rules, TRID, Qualified Mortgage Rules and related matters, Real Estate Settlement Procedures Act, Equal Credit Opportunity Act and Regulation B, Home Mortgage Disclosure Act, Fair Lending, Fair Credit Reporting Act, FACTA, Fair Debt Collection Practices Act, Telephone Consumer Protection Act, Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act, Privacy of Consumer Financial Information (Gramm-Leach-Bliley Act) a plus. 

 

Experience:

  • 2 or more years of legal or regulatory and compliance experience , with an emphasis on residential mortgage lending and related mortgage activities.

Skills & Abilities:

  • Demonstrated ability to cope with a rapidly changing regulatory environment.
  • Excellent writing and interpersonal skills with the ability to establish trusted partnerships with Executive and Senior Management.
  • Flexibility and willingness to work with challenging timelines.
  • Self-directed professional with attention to detail and excellent planning and prioritization skills
  • Team player and will collaborate with all internal and external customers

 

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