COMPLIANCE ATTORNEY - REMOTE

TOWNE MORTGAGE COMPANY•Troy, MI

2d•Remote

About The Position

Towne Mortgage Company is seeking a Compliance Counsel / Regulatory Attorney to support its enterprise-wide legal and regulatory compliance functions across mortgage origination and servicing operations. This role is responsible for providing practical, business-oriented legal and regulatory guidance within a highly regulated environment, ensuring adherence to applicable federal and state consumer protection laws and supporting Towne’s Compliance Management System (CMS) and enterprise risk framework. The position will work cross-functionally with Compliance, Risk, Operations, and Servicing to mitigate legal and regulatory risk while enabling compliant business growth. Towne operates in 46 states, and this role will directly support companywide legal and compliance initiatives.

Requirements

Juris Doctor (JD) from an accredited law school
Active license and good standing with at least one U.S. state bar
3+ years of experience in mortgage, financial services, or regulatory compliance.
Demonstrated knowledge of federal consumer financial laws (TILA, RESPA, ECOA, FCRA, FDCPA, TCPA)
Experience interpreting and applying state-level consumer protection and mortgage laws
Strong contract drafting, review, and negotiation skills
Experience providing practical legal guidance in a business environment
Excellent analytical, communication, and problem-solving skills

Nice To Haves

CRCM, CMCP, or similar compliance certification
Experience with mortgage origination and/or servicing operations
Experience supporting regulatory examinations, audits, and enforcement actions
Prior experience within a mortgage lender or servicer
Familiarity with investor guidelines (Fannie Mae, Freddie Mac, FHA/VA/USDA)

Responsibilities

Provide day-to-day legal advice on mortgage regulatory compliance and operational matters impacting origination and servicing functions.
Interpret and apply federal and state laws, including: TILA, RESPA (including TRID), ECOA, FCRA, FDCPA, TCPA, and other CFPB regulations and guidance.
Advise business teams on the implementation of regulatory changes and risk mitigation strategies.
Analyze new or amended laws and determine applicability to Towne’s business operations.
Review and advise on consumer-facing disclosures, communications, and regulatory notices.
Draft, review, and negotiate vendor agreements, investor/third-party contracts, and other business arrangements.
Ensure contractual terms align with applicable laws, investor requirements, and internal policy controls.
Support Towne’s Compliance Management System (CMS) by advising on policies, procedures, and controls, and supporting compliance risk assessments and monitoring.
Partner with Compliance and QC teams to address findings, corrective actions, and root cause analyses.
Assist in developing and maintaining policies, procedures, and training programs designed to ensure adherence to regulatory requirements.
Provide legal support for enterprise risk management and compliance oversight functions (including vendor management and third-party risk where applicable).
Assist with consumer complaint escalations and regulatory responses, including drafting responses to agencies where necessary.
Conduct legal research on various mortgage-related topics as necessary.
Provide concise summaries of legal requirements and operational impact for leadership decision-making.
Support the culture of risk/compliance aligned with Towne’s enterprise risk and CMS framework.