Senior Regulatory Counsel

CrossCountry Mortgage, LLC; United States; Remote; USD 150,000 - 220,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401K

Disability Coverage

Employee Assistance Program

Wellness Program

Job summary

CrossCountry Mortgage, LLC seeks a Senior Regulatory Counsel to partner on legal and regulatory matters across mortgage origination. The role translates complex requirements into practical guidance, supports the regulatory change function, and mentors a junior attorney.

You will work with leadership to interpret evolving rules, draft policies, and implement compliant processes across platforms like Encompass. A strong regulatory background and leadership skills are essential.

Qualifications

• J.D. and active bar license in good standing in at least one U.S. jurisdiction.
• 5+ years of legal or regulatory compliance experience in mortgage lending or financial services.
• Experience interpreting regulatory changes and advising on their implementation.
• Experience supervising or mentoring attorneys or compliance professionals, preferred.
• Extensive knowledge of mortgage origination laws and regulations (TILA/Reg X, RESPA, ECOA, HMDA, FCRA, SAFE Act, UDAAP).
• Advanced legal research, analysis, and writing skills for executive audiences.
• Ability to translate regulatory requirements into operational and technology requirements.

Responsibilities

• Research and analyze federal and state laws and regulations affecting CCM's business activities.
• Provide clear, practical legal advice and recommendations to leadership and stakeholders.
• Prepare legal memoranda and analyses on regulatory and compliance matters.
• Interpret new regulatory requirements and determine their application to CCM.
• Partner on impact assessments and communication of regulatory changes to business units.
• Support implementation of regulatory changes, including updates to policies and procedures.
• Review and resolve escalated legal and compliance matters.
• Advise on borrower rescission requests and timing actions.
• Advise on post-closing compliance, including cures and remediation.
• Support power-of-attorney and trust reviews for loan transactions.
• Prioritize legal and compliance origination issues; translate requirements into business systems.

Skills

J.D. or equivalent

Regulatory compliance

Legal research

Regulatory interpretation

Mentoring

Mortgage lending knowledge

Communication

Education

Juris Doctor

Tools

Encompass

Mavent

Job description

A culture where you can grow!

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.

CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.

Position Overview:

The Senior Regulatory Counsel is a legal and compliance partner across CrossCountry Mortgage (CCM), with a primary focus on mortgage origination. The role provides legal research and regulatory guidance, gives legal support to the regulatory change function, and supervises a junior attorney. This role turns legal and regulatory requirements into practical guidance, policies, procedures, and business and system requirements. The Senior Regulatory Counsel plays a key role in CCM's compliance program.

Job Responsibilities:

• Research and analyze federal and state laws and regulations affecting CCM's business activities.
• Provide clear, practical legal advice and recommendations to leadership and business stakeholders.
• Prepare legal memoranda and written analyses on complex regulatory and compliance matters.
• Interpret new and amended regulatory requirements and determine how they apply to CCM.
• Partner with the regulatory change implementation function on impact assessments and communication of regulatory change to business units.
• Support implementation of regulatory changes, including updates to policies and procedures.
• Review and resolve escalated legal and compliance matters from the compliance inbox.
• Evaluate borrower rescission requests and advise on required actions and timing.
• Advise on post-closing compliance matters, including corrective actions, cures, and remediation.
• Support power-of-attorney and trust reviews for loan transactions.
• Manage and prioritize legal and compliance origination issues, as identified.
• Translate legal and regulatory requirements into practical, risk-based guidance for business partners.
• Turn regulatory requirements into business and system requirements, controls, and processes for Encompass, Mavent, and other platforms.
• Supervise, train, and mentor a junior attorney, including assigning work and reviewing work product.
• Partner with the EVP, Regulatory Counsel on complex regulatory matters and business challenges.
• Keep the EVP, Regulatory Counsel informed of significant matters, emerging risks, and priorities, with recommended courses of action.

Qualificationsand Skills:

• Juris Doctor (J.D.) and active bar license in good standing in at least one U.S. jurisdiction.
• 5+ years of legal or regulatory compliance experience in mortgage lending or financial services.
• Experience interpreting regulatory changes and advising on their implementation.
• Experience supervising or mentoring attorneys or compliance professionals, preferred.
• Extensive knowledge of mortgage origination laws and regulations, including TILA/Regulation Z, RESPA/Regulation X, ECOA/Regulation B, HMDA, FCRA, the SAFE Act, UDAAP, and state lending and licensing requirements.
• Advanced legal research, analysis, and writing skills, to effectively explain complex legal concepts to business and executive audiences.
• Skill in converting regulatory requirements into operational and technology requirements.
• Excellent communication, strategic thinking, and problem-solving skills.
• Sound judgment to effectively manage a high volume of matters and competing deadlines.
• Excellent collaboration, organizational, and problem-solving skills.
• Experience with loan origination systems, Encompass preferred.
• Experience with compliance technology such as Mavent.

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities, or working conditions associated with the position.

CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com

California residents:

Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants.

CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.

CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org.