Consumer Finance Regulatory Counsel

Location: South Bay Area / Campbell, California; on-site. Strong remote candidates may be considered, with preference for candidates located in Northern California who can attend the office frequently.

Company

hirify.global develops consumer lending products including mortgages, HELOCs, and secured and unsecured credit cards.

What you will do

• Help ensure consumer lending products comply with federal and state regulations, internal policies, bank partner requirements, and industry best practices.
• Analyze regulatory developments and state-specific lending laws, including usury, servicing, licensing, and foreclosure requirements.
• Draft and maintain compliance policies, procedures, training materials, agreements, disclosures, and loan documents.
• Conduct compliance reviews and periodic audits of loan origination, underwriting, servicing, disclosures, adverse action notices, and related processes.
• Respond to customer complaints, regulatory inquiries, audits, examinations, litigation matters, and disputes.
• Collaborate with product and engineering teams on compliance in loan creation and servicing, and assess third-party vendor risk.

Requirements

• Juris Doctorate.
• 7+ years of legal practice, including at least 3 recent years focused on consumer finance regulatory work.
• Strong familiarity with secured lending, marketing, and servicing laws, including TILA, RESPA, ECOA, HMDA, FCRA, UDAAP, and TRID.
• Ability to work with compliance monitoring tools, regulatory databases, and task systems such as Asana.
• Strong attention to detail, analytical thinking, creative problem solving, and written and verbal communication skills.
• Preference for candidates in Northern California who can work from the Campbell office often.

Nice to have

• In-house experience with a fintech, bank, or mortgage company.

Culture & Benefits

• Work within a small four-lawyer Legal & Compliance team.
• Flat organization with hands-on collaboration across the company.
• Opportunity to work across marketing reviews, audits, licensing, vendor management, contracts, regulatory analysis, and training.
• Environment suited to attorneys who are comfortable navigating ambiguity and learning in a fast-moving organization.