Senior Counsel I - Consumer Banking

Apple Bank for Savings; New York (NY); Hybrid; USD 180,000 - 220,000; Full time

Job summary

Apple Bank for Savings seeks a Senior Counsel I to provide legal counsel to the Consumer Banking Division on products, services, and regulatory matters, including deposits, payments, and lending. You will review marketing materials, disclosures, and customer communications while monitoring regulatory developments and advising internal partners.

The role requires handling multiple matters, prioritizing work to meet timelines, and developing practical, risk-based recommendations to support

Qualifications

• JD required.
• Active New York State bar license.
• 5–8 years of legal experience in banking or financial institutions.
• Experience advising on consumer/retail banking regulatory matters.
• Experience with digital banking platforms and electronic payments.
• Proficiency with Microsoft Office (SharePoint, Word, Excel, PowerPoint).
• Excellent verbal and written communication.
• Ability to work independently in a highly regulated environment.
• Strong analytical and problem-solving skills; detail-oriented and organized.

Responsibilities

• Primary legal reviewer for marketing and advertising materials, partnering with Marketing, Compliance, and business teams to ensure compliance with consumer protection and banking laws and accurate product terms and conditions.
• Draft, review, and negotiate sponsorship and marketing-related contracts.
• Review consumer-facing agreements, disclosures, notices, and forms.
• Monitor regulatory developments and advise on business impact.
• Advise on payments-related third-party relationships and review related contracts and operating requirements.
• Advise on consumer banking laws and standards (e.g., Truth in Savings Act, EFAA, EFT Act, TILA, UDAP).
• Perform other duties as requested.

Skills

Communication skills

Analytical thinking

Regulatory compliance

MS Office

Independent work

Prioritization

Problem solving

Attention to detail

Education

Juris Doctor (JD)

New York State Bar License

Tools

Microsoft Office (SharePoint, Word, Excel, PowerPoint)

Job description

New York, NY (Hybrid) Salary Range - $180,000 - $220,000

The Senior Counsel I serves as a key legal advisor to Apple Bank's Consumer Banking Division, providing legal counsel and support to the business on legal and regulatory matters relating to products and services, including deposits, payments, and lending. Key responsibilities include reviewing marketing communications, customer-facing documentation, monitoring, assessing and advising on legislative and regulatory developments affecting Consumer Banking, and communication legal advice to internal partners.

The successful candidate must be able to manage multiple matters and shifting priorities, respond effectively to evolving business needs, meet operational timelines, identify and analyze legal and regulatory risks, and develop practical recommendations that support the Bank's business objectives while appropriately managing legal risk.

ESSENTIAL DUTIES & 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 that are applicable to consumer banking products, including, but not limited to, the Truth in Savings Act, Expedited Funds Availability Act, Electronic Fund Transfer Act, Truth in Lending Act, and Unfair Deceptive and Abusive Acts and Practices Act.
• Perform other duties as requested.

SKILLS, EDUCATION, & EXPERIENCE

• Juris Doctor (JD) degree required.
• Active license to practice law in New York State.
• 5-8 years of legal experience gained at a law firm, government agency, bank, or other financial institution, with experience advising on legal and regulatory matters related to consumer or retail banking.
• Experience advising on digital banking platforms and electronic payment systems.
• Proficiency in Microsoft Office applications (SharePoint, Word, Excel, PowerPoint).
• Excellent communication skills (verbal + written).
• Proven ability to operate effectively in a highly regulated and evolving environment.
• Ability to work independently, proactively, prioritize responsibilities, and manage workload.
• Strong analytical and demonstrated problem solving skills.Must be detail oriented and well organized.

Visa sponsorship not available.

We are an equal opportunity employer and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, military and/or veteran status, or any other Federal or State legally-protected classes.