Compliance Officer - FinTech Consumer Regulatory

Larson Maddox; San Francisco (CA); Hybrid; USD 180,000 - 240,000; Full time

Job summary

Larson Maddox is seeking an experienced Consumer Finance Regulatory Officer to join its lean, collaborative legal and compliance team in California. The role will advise across consumer lending products, including mortgages, HELOCs, and credit products, ensuring compliance with federal and state regulations, internal policies, and third-party banking requirements.

This is a fast-paced, entrepreneurial environment requiring practical regulatory guidance and cross-functional collaboration.

Qualifications

• 7+ years of compliance experience at a FinTech or sponsor bank.
• JD preferred; bar admission.
• 3+ years focused on consumer finance or lending regulation.
• Strong knowledge of TILA, RESPA, ECOA, FCRA, UDAAP, TRID, HMDA.
• Experience with mortgage, HELOC, credit card, or other consumer lending products.
• Ability to draft loan documents, disclosures, policies and contracts.
• In-house experience in banking/fintech lending preferred.
• Northern California preferred; remote candidates working Pacific hours acceptable.

Responsibilities

• Advise across consumer lending products for regulatory compliance.
• Partner with product, engineering, compliance, and business teams on new product development and regulatory changes.
• Monitor regulatory developments and translate requirements into practical policies and controls.

Skills

Regulatory compliance experience

Financial services/regulatory know-how

Analytical skills

Policy drafting

Cross-functional collaboration

Education

Juris Doctor (JD)

Job description

A growing financial services business is seeking an experienced Consumer Finance Regulatory Officer to join a lean, highly collaborative legal and compliance team. The role will advise across consumer lending products including mortgages, HELOCs, and secured and unsecured credit products, helping ensure compliance with federal and state regulations, internal policies, and third-party banking requirements. This attorney will partner closely with product, engineering, compliance, and business teams on new product development, servicing, marketing, disclosures, regulatory change, and risk management. The environment is fast-paced and entrepreneurial, making this an excellent opportunity for a practical attorney who enjoys solving complex regulatory issues and providing commercial guidance where requirements are not always black and white.

Requirements

• 7+ Years of compliance experience at a FinTech or Sponsor Bank
• JD preferred
• At least 3 recent years focused on consumer finance or lending regulation
• Strong knowledge of TILA, RESPA, ECOA, FCRA, UDAAP, TRID, HMDA and related state lending requirements
• Experience advising on mortgage, HELOC, credit card, or other consumer lending products
• Ability to review and draft loan agreements, disclosures, policies, marketing materials and commercial contracts
• Experience with lending, servicing, licensing, complaints, audits, examinations, and regulatory inquiries
• Comfortable monitoring regulatory developments and translating requirements into practical policies and controls
• In-house experience within a bank, fintech, mortgage lender, or consumer finance business strongly preferred
• Strong analytical, drafting, communication, and creative problem-solving skills
• Northern California preferred, with flexibility for remote candidates working Pacific hours