VP, Consumer Banking Counsel (Hybrid)

Default•Duluth, GA

5d•Hybrid

About The Position

Serves as the senior legal resource for Georgia United’s business unit personnel primarily on consumer banking matters, including deposit products, retail lending, consumer protection, and regulatory compliance. Exercises independent judgment across routine and complex consumer banking issues, engaging the CRO/GC on matters with significant enterprise risk or policy implications. Leads the development, review and revision of legal documents relevant to consumer banking, including Membership and Account Agreements, retail lending agreements, regulatory disclosures, and consumer protection notices. Leads and coordinates with outside counsel as needed to consult on consumer banking litigation, consumer protection, and regulatory compliance, coordinating with the CRO & GC to ensure alignment with organizational goals. Stays current on legislation, regulations, judicial developments, and trends affecting consumer banking, credit unions, and the financial services industry. Translates the evolving landscape into strategic recommendations and proactive risk mitigation for senior leadership and business unit partners. Analyzes and interprets consumer banking laws, rulings, and regulations, providing recommendations and probable outcomes for the credit union. Exercises senior-level judgment within established parameters, providing recommendations that directly inform business decisions and risk management strategies. Advises business units in partnership with the Compliance team on NCUA, CFPB, and other consumer regulatory compliance matters related to consumer banking, deposit products, retail lending, Regulation Z, FCRA, FDCPA, FACTA, Truth In Lending Act (TILA), privacy, as well as applicable federal or state consumer protection laws and regulations, including Unfair, Deceptive, or Abusive Acts and Practices (UDAAPs). Contributes to the broader legal function as a senior leader, modeling independent initiative and sound legal judgment. Participates in enterprise-level projects, cross functional initiatives, and strategic planning as directed by the CRO/GC.

Requirements

Senior legal resource for consumer banking matters
Independent judgment across routine and complex consumer banking issues
Ability to engage CRO/GC on matters with significant enterprise risk or policy implications
Lead development, review, and revision of legal documents relevant to consumer banking
Lead and coordinate with outside counsel
Stay current on legislation, regulations, judicial developments, and trends affecting consumer banking, credit unions, and the financial services industry
Translate evolving landscape into strategic recommendations and proactive risk mitigation
Analyze and interpret consumer banking laws, rulings, and regulations
Provide recommendations and probable outcomes for the credit union
Exercise senior-level judgment within established parameters
Provide recommendations that directly inform business decisions and risk management strategies
Advise business units in partnership with the Compliance team on NCUA, CFPB, and other consumer regulatory compliance matters
Knowledge of Regulation Z, FCRA, FDCPA, FACTA, Truth In Lending Act (TILA), privacy, and applicable federal or state consumer protection laws and regulations, including UDAAPs
Contribute to the broader legal function as a senior leader
Model independent initiative and sound legal judgment
Participate in enterprise-level projects, cross functional initiatives, and strategic planning

Responsibilities

Serve as the senior legal resource for consumer banking matters, including deposit products, retail lending, consumer protection, and regulatory compliance.
Exercise independent judgment on consumer banking issues, engaging CRO/GC on matters with significant enterprise risk or policy implications.
Lead the development, review, and revision of legal documents relevant to consumer banking.
Lead and coordinate with outside counsel on consumer banking litigation, consumer protection, and regulatory compliance.
Stay current on legislation, regulations, judicial developments, and trends affecting consumer banking, credit unions, and the financial services industry.
Translate the evolving landscape into strategic recommendations and proactive risk mitigation for senior leadership and business unit partners.
Analyze and interpret consumer banking laws, rulings, and regulations, providing recommendations and probable outcomes.
Exercise senior-level judgment, providing recommendations that inform business decisions and risk management strategies.
Advise business units on consumer regulatory compliance matters in partnership with the Compliance team.
Contribute to the broader legal function as a senior leader, modeling independent initiative and sound legal judgment.
Participate in enterprise-level projects, cross-functional initiatives, and strategic planning.