Senior Counsel I - Consumer Banking

Apple Bank • New York, NY

1d • Hybrid

About The Position

The Senior Counsel I serves as a key legal advisor to Apple Bank’s Consumer Banking Division, providing counsel and support on legal and regulatory matters relating to products and services, including deposits, payments, and lending. The role reviews marketing communications and customer-facing documentation, monitors and assesses legislative and regulatory developments affecting Consumer Banking, and communicates legal advice to internal partners.

The successful candidate must 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.

Requirements

• Juris Doctor (JD) degree.
• 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, including 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, including SharePoint, Word, Excel, and PowerPoint.
• Excellent verbal and written communication skills.
• Ability to operate effectively in a highly regulated and evolving environment.
• Ability to work independently and proactively, prioritize responsibilities, and manage workload.
• Strong analytical and demonstrated problem-solving skills.
• Detail-oriented and well organized.

Responsibilities

• Serve as the primary legal reviewer for marketing and advertising materials, partnering with Marketing, Compliance, and business teams to ensure 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 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Ph.D. or professional degree