Senior Counsel I - Consumer Banking

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

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.

Equal Opportunity Statement

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.

Apple Bank's employment policy is to provide equal opportunity to all persons. The Bank prides itself in having a diverse and inclusive workforce. No employee or applicant for employment will be discriminated against because of race, color, citizenship status, religion, sex, sexual orientation, creed, national origin, age, physical or mental disability, veteran status, political affiliation, domestic violence victim status, predisposing genetic characteristic, or any other Federal or State legally-protected classes. Apple Bank will make reasonable accommodations for known physical or mental limitations of otherwise qualified employees and applicants with disabilities unless the accommodation would impose an undue hardship on the operation of our business. If you are interested in applying for an employment opportunity and feel you need a reasonable accommodation pursuant to the ADA, please contact us at [e-mail].

Since 1863, Apple Bank has been a stable banking presence in New York City and its surrounding communities. We seek to put the best interests of our customers first and to manage our company prudently and responsibly. When you join the Apple Bank team, you’ll be working with a group of dedicated and talented professionals focused on delivery of an outstanding customer experience. For more than 160 years, Apple Bank has been invested in our customers and communities, striving always to put their best interests first. Along the way, our employees have been the key to our success. Whether you’re just beginning, continuing or changing your career, Apple Bank offers a range of career opportunities. We’ll support you in developing your potential to the fullest, while you contribute to our growth and success.

Know Your Rights: https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf The Pay Transparency Notice: https://dol.ny.gov/system/files/documents/2024/04/p688-pay-transparency-law-for-employee.pdf