REGULATORY ENFORCEMENT & PRIVACY COUNSEL- REMOTE

We are seeking to fill the role of Regulatory Enforcement & Privacy Counsel. The ideal candidate enjoys collaborating with clients, industry partners and internal teams to maximize outcomes for homeowners. 

• Represent LoanCare during federal, state and regulatory audits. Communicate, written and orally, with regulatory agencies in coordination with LoanCare’s Exam Management team.
• Thorough analysis and understanding of complex regulations with ability to proactively identify potential regulatory compliance issues and advise management on risk mitigation strategies.
• Advise LoanCare on data privacy laws and regulations, ensuring compliance as well as legal advice on data privacy issues related to data collection, storage, processing, sharing and disposal; often working with internal teams to implement data protection measures and
manage privacy concerns.
• Advise and manage data incident response, including but not limited to communications with regulators and customers. Serve as LoanCare’s point of contact on all privacy issues.
• Draft and/or review responses related to escalated complaints.
• Review and analysis of suspicious and/or fraudulent servicing transactions; conduct thorough investigations to gather supporting evidence for possible actions.
• Provide support to managing attorney for major litigation including but not limited to class actions.
• Employ strategic use of outside counsel, collaborate and manage the progression of each assigned manner, including budgets and tracking of deadlines.
• Timely and accurately respond to operational legal inquiries and provide necessary legal support to operational undertakings.
• Maintain culture that mandates ethical conduct and a commitment to regulatory compliance.
• Participate in committee meetings and offer legal guidance.
• All other duties as assigned. 

• Juris Doctor from an ABA accredited law school.
• Active bar member in good standing.
• 8+ years of related experience in mortgage servicing industry
• Remain current and knowledgeable about applicable state and federal laws and regulations pertaining to the subservicing and servicing of residential mortgage loans, including but not limited to TILA, RESPA, ECOA, HPA, FHA, FCRA, FTC regs, GLBA, UDAAP, FDCPA, BSA/AML,
advertising compliance, SAFE Act, Fair Lending and CFPB rules and regulations

• Excellent verbal and written communications skills with the ability to summarize and communicate complex information in plain language to regulators, clients, outside counsel and LoanCare upper management.
• Ability to simultaneously manage a wide range of projects and effectively meet deadlines in a fast-paced and dynamic environment. Excellent time management and organizational skills a must.
• Thorough knowledge of mortgage origination, closing, and servicing practices; various mortgage loan products such as conventional, ARMs, HELOC; loan documents (note, mortgage/deed of trust, etc.) and understanding of various Federal agencies and GSEs.
• Extensive experience researching, interpreting and articulating legal issues (Westlaw or LexisNexis).
• Ability to work both independently and in a team setting.
• Ability to identify deficiencies and opportunities for improvement.
• Ability to interpret and apply applicable laws and regulations to LoanCare’s business functions.
• Experience working directly with management on servicing issues.
• Ability to travel as needed.

Desired Skills and Qualifications
• Strong understanding of statutory construction.
• Demonstrated analytical and problem-solving skills.
• Results-driven, an eye for detail, and a passion for driving best practices.
• Good interpersonal skills.

About Remote Employment 

We provide the necessary equipment; all you need is a quiet, private place in your home and a high-speed internet connection with a minimum network download speed of 25 megabits per second (MBPS) and a minimum network upload speed of 10 MBPS.   

Essential Functions

Basic job duties an employee must be able to perform with, or without, reasonable accommodation.

• Critical Thinking - Use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
• Reading Comprehension – Understand written sentences and paragraphs in work related documents
• English Language – Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
• Speaking – Communicate verbally with others to convey information effectively.
• Active Learning – Understand the implications of new information for both current and future problem-solving and decision-making.
• Active Listening – Give full attention to what other people are saying, take time to understand the points being made, ask questions for clarity, and don’t interrupt at inappropriate times.
• Instructing – Teach others how to do something.
• Judgment and Decision Making – Consider the relative costs and benefits of potential actions to choose the most appropriate one.
• Time Management – Manage one's own time and the time of others.
• Writing – Communicate effectively in writing as appropriate for the needs of the audience.
• Complex Problem Solving – Identify complex problems and review related information to develop and evaluate options and implement solutions.
• Deductive Reasoning – Able to apply general rules to specific problems to produce answers that make sense.
• Problem Sensitivity – Able to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.
• Written Comprehension – Able to read and understand information and ideas presented in writing.
• Inductive Reasoning – Able to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
• Information Ordering – Able to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
• Near Vision – Able to see details at close range (within a few feet of the observer).
• Oral Comprehension – Able to listen and understand information and ideas presented through spoken words and sentences.
• Oral Expression – Able to communicate information and ideas verbally so others will understand.
• Speech Recognition – Able to identify and understand the speech of another person.
• Speech Clarity – Able to speak clearly so others can understand you.

Work Conditions 

Able to attend work and be productive during normal business hours and to work early, late or weekend hours as needed for successful job performance. Overtime required as necessary.

Physical Demands

• Sitting up to 90% of the time
• Walking and standing up to 10% of the time
• Occasional lifting, stooping, kneeling, crouching, and reaching

Equal Employment Opportunity

LoanCare, its affiliates and subsidiaries, is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, protected veteran status, national origin, sexual orientation, gender identity or expression (including transgender status), genetic information or any other characteristic protected by applicable law.

Who We Are

LoanCare is a top national provider in mortgage loan subservicing. For 40 years, LoanCare has been servicing loans for banks, credit unions, independent mortgage companies, and portfolio investors. LoanCare is part of Fidelity National Financial (NYSE: FNF), a Fortune 500 company and leading provider of title insurance and transaction services to the real estate and mortgage industries. For more information, visit loancare.com.