Sr. Legal Counsel, Consumer Lending

Santander Bank Boston , MA 02298

Posted 2 weeks ago

Sr. Legal Counsel, Consumer Lending-1904758


Job Description:

The Sr. Legal Counsel, Consumer Lending provides legal counsel to the Bank's business units that manage consumer lending products and services, including mortgages, HELOCs, unsecured lines and loans. S/he takes a leading role on the Consumer Lending legal team and advises management and various partners to help ensure the Bank's consumer lending business operations comply with applicable laws and regulations and contractual obligations. S/he represents the Bank in transactions, legal proceedings, regulatory exams, disputes, initiatives and various other matters. S/he drafts, reviews and negotiates contracts and reviews policies, procedures, marketing, and other customer-facing materials to ensure compliance with applicable regulations. S/he leads projects across business units to enhance Bank processes and promote the Bank's objectives and interests. The Sr. Legal Counsel, Consumer Lending:

  • Has familiarity with the laws and regulations applicable to consumer lending, including FCRA, FDCPA, TCPA, SCRA, MLA, FHA, RESPA, TILA, Reg B, Reg C, Reg X and Reg Z.

  • Acts as a legal expert in the consumer lending space, providing advice, insights and solutions to clients on applicable legal and compliance issues affecting strategies, programs, plans (design and operations), and practices.

  • Identifies and escalates risk issues appropriately.

  • Analyzes key policy, legislative and legal developments and issues, and shares advice, insights and solutions with internal and external clients.

  • Researches relevant legal issues and technical and industry specific topics.

  • Reviews current developments, prepares legal analyses and develops advice, insights, and solutions.

  • Acts a lead lawyer on projects, regulatory exams and transactional matters.



  • Law / J.D. degree, and active license to practice law in at least one US jurisdiction.

  • 4-10 years of experience practicing law in the financial services industry and/or a law firm.

  • Excellent interpersonal skills with an ability to provide sound, clear legal advice to senior executives and other senior leaders.

  • Expertise handling government and regulatory enforcement actions that involve civil and criminal inquiries directed at large corporations operating in highly regulated industries.

  • Outstanding verbal and written communication skills.

  • Desire and aptitude to work in a collaborative environment on a team of high-performing legal professionals.

  • Strong ability to identify and solve complex problems.

  • Ability to present information clearly and effectively in written and oral form.

  • Ability to develop strategy and tactics for complex, high profile matters.

  • Ability to build strong relationships internally and externally.

  • Ability to effectively, efficiently and calmly manage multiple time-sensitive projects.

  • Ability to articulate and relay information in an effective and efficient manner.

  • Strong sense of urgency with the ability to meet deadlines.

  • Ability to coach and guide others.

  • Proficiency with Microsoft Office, PowerPoint and Outlook required.

  • Ability to define problems and collect relevant information.

  • Excellent drafting, negotiating and counseling skills.



Primary Location

:Massachusetts-BOSTON-75 State Street

  • 06366 - State Street-Corp

Other Locations

:New York-New York-45 East 53rd Street

  • 06547 - NY Corp


:Legal & Corp. Affairs (8830)



Job Posting

:Sep 5, 2019, 7:02:28 PM


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Sr. Legal Counsel, Consumer Lending

Santander Bank