Campbell, California, United States · Hybrid
Job Description You will help ensure that our consumer lending products (mortgage, HELOC, secured/unsecured credit cards, etc.) comply with federal and state regulations, internal policies, our bank partner’s requirement…
Skills: Consumer lending regulations, Compliance monitoring, Legal research, Contract drafting, Regulatory analysis
New York, New York, United States · Hybrid
Job Description: We're looking for a capital markets lead who can own the entire lifecycle: structuring and executing deals, driving secondary trading and marketplace distribution, managing interest rate risk, and uncove…
Skills: Debt Capital Markets, Structured Financing, RMBS, ABS, Interest Rate Risk Management
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The role involves ensuring consumer lending products comply with federal and state regulations while drafting agreements and managing internal compliance policies. You will also collaborate with product and engineering teams to embed compliance into loan processes and respond to regulatory inquiries.
Candidates must hold a Juris Doctorate and have at least 7 years of legal experience, with a minimum of 3 years focused on consumer finance regulatory work. Strong familiarity with secured lending, marketing, and servicing laws is required.
You will help ensure that our consumer lending products (mortgage, HELOC, secured/unsecured credit cards, etc.) comply with federal and state regulations, internal policies, our bank partner’s requirements and reporting, and industry best practices. That requires creativity and a problem-solving orientation, because we're trying new things and working fast. You’ll use your legal experience and training to interpret laws, draft and review agreements and disclosures, policies, resolve litigation matters and disputes, and advise on risk. The L&C team is hands-on wherever needed, including marketing reviews, audits, exam responses, licensing applications and reports, vendor management, statutory and regulatory analysis, contract review and drafting, and training, and we share all work regardless of experience. You’ll be part of a highly valued team and work on a variety of projects across the company.
More about the role and the team: It’s a small team (4 lawyers) within a flat organization. We're looking for a very capable attorney who has good foundational knowledge and experience and is ready to level up -- someone comfortable with and eager to learn more about navigating in the gray.
Assist in ensuring compliance with TILA, RESPA, ECOA, HMDA, FCRA, UDAAP, HMDA, TRID, and other federal and state consumer lending regulations.
Monitor compliance with state-specific lending laws (e.g., usury laws, servicing, licensing requirements, foreclosure processes).
Support the development and maintenance of compliance policies, procedures, and training materials.
Assist in conducting compliance reviews of loan origination, underwriting, and servicing processes.
Perform periodic audits of required disclosures, adverse action notices, loan documents, etc.
Assist in responding to customer complaints, regulatory inquiries, and internal situations.
Research federal and state regulatory updates impacting consumer lending.
Assist in updating policies and procedures to reflect new laws and regulations.
Support compliance training efforts for internal teams.
Collaborate with product and engineering teams to ensure compliance is embedded in loan servicing and creation.
Review marketing materials and loan disclosures for Regulation Z and UDAAP compliance.
Assist in third-party vendor risk assessments, particularly for loan origination systems, credit reporting agencies, and payment processors.
Education: Juris Doctorate
Experience: 7+ years practicing law, with at least 3 recent years focused on consumer finance regulatory work; in-house experience with a fintech, bank, or mortgage company is a significant plus
Knowledge: Strong familiarity with applicable secured lending, marketing, and servicing laws
Technical Skills: Ability to work with compliance monitoring tools, regulatory databases, and task systems (e.g., Asana)
Other Skills: Strong attention to detail, analytical thinking, creative problem solving, and strong communication skills (verbal and written)
Additional things we’re looking for
Located in Northern California – strong remote candidates considered, but preference given to candidates who can be in the office often
Our mission is to provide the lowest cost, most convenient, and most transparent access to capital.
Aven is reinventing consumer credit. Our mission is to provide the lowest-cost, most transparent, and most convenient access to capital. We use technology to unlock the wealth in your assets and give you credit for what you already own. Our first product is the world’s lowest APR credit card, backed by home equity. Using multiple patented technologies, we’ve reduced a process that typically takes 4–6 weeks and thousands of dollars down to as fast as 15 minutes and $0 to get. Since launching in 2019, Aven cardholders have saved over $200M. We’re proud to maintain a 4.9-star rating on Trustpilot across 5,000+ reviews. We're backed by leading investors including Founders Fund, Khosla Ventures, Sequoia Capital, Caffeinated Capital, General Catalyst, NYCA, and Max Levchin. The team features leaders from top financial services and fintech companies—such as Goldman Sachs, Capital One, Square—as well as technology companies such as Meta, Microsoft, Google, Uber, and Tesla. Aven has been recognized on the Forbes Fintech 50 and the GGV Capital Fintech Innovation 50. And we’re just getting started.
Offices: 548 Market St, 99555, San Francisco, California 94104, US
Our mission is to provide the lowest cost, most convenient, and most transparent access to capital.
Aven is reinventing consumer credit. Our mission is to provide the lowest-cost, most transparent, and most convenient access to capital. We use technology to unlock the wealth in your assets and give you credit for what you already own. Our first product is the world’s lowest APR credit card, backed by home equity. Using multiple patented technologies, we’ve reduced a process that typically takes 4–6 weeks and thousands of dollars down to as fast as 15 minutes and $0 to get. Since launching in 2019, Aven cardholders have saved over $200M. We’re proud to maintain a 4.9-star rating on Trustpilot across 5,000+ reviews. We're backed by leading investors including Founders Fund, Khosla Ventures, Sequoia Capital, Caffeinated Capital, General Catalyst, NYCA, and Max Levchin. The team features leaders from top financial services and fintech companies—such as Goldman Sachs, Capital One, Square—as well as technology companies such as Meta, Microsoft, Google, Uber, and Tesla. Aven has been recognized on the Forbes Fintech 50 and the GGV Capital Fintech Innovation 50. And we’re just getting started.
Offices: 548 Market St, 99555, San Francisco, California 94104, US
