Senior Counsel - Consumer Banking & Regulatory

Apple Bank; United States; Hybrid; USD 180,000 - 220,000; Full time

Job summary

Apple Bank in New York, NY is seeking a Senior Counsel I to provide legal guidance to the Consumer Banking Division on products, services, deposits, payments and lending. You will review marketing materials and customer communications for regulatory compliance.

You will monitor regulatory developments, advise on third‑party relationships and related contracts, and help manage legal risk while supporting business objectives in a dynamic, highly regulated environment.

Qualifications

• JD required and admitted to NY bar.
• 5–8 years in law within banking/finance.
• Experience advising on consumer banking regulatory matters.
• Strong writing and communication skills.
• Visa sponsorship not available.

Responsibilities

• Serve as the primary legal reviewer for marketing and advertising materials, partnering with Marketing, Compliance, and business teams to ensure advertising, promotional offers and customer communications comply with applicable consumer protection and banking laws and accurately describe product terms and conditions.
• Draft, review, and negotiate sponsorship agreements and marketing related contracts.
• Review and advise on consumer-facing agreements, disclosures, notices, and forms.
• Monitor and assess regulatory and legislative developments and evaluate their impact on business strategy.
• Advise on payments-related third-party relationships and review related contracts, network rules and operating requirements.
• Advise on laws, regulations, and standards applicable to consumer banking products including TISA, EFAA, EFT Act, TILA, and UDAP.

Skills

Communication skills

Analytical thinking

Regulatory understanding

Time management

Attention to detail

Education

Juris Doctor (JD) degree

Active license to practice law in New York State

Tools

Microsoft Office (SharePoint, Word, Excel, PowerPoint)

Job description

Apple Bank in New York, NY is seeking a Senior Counsel I to provide legal guidance to the Consumer Banking Division on products, services, deposits, payments and lending. You will review marketing materials and customer communications for regulatory compliance.

You will monitor regulatory developments, advise on third‑party relationships and related contracts, and help manage legal risk while supporting business objectives in a dynamic, highly regulated environment.