Senior Manager, Senior Counsel - Home Loans

  • Company: Capital One
  • Posted: December 17, 2016
  • Reference ID: R16121
Plano 3 (31063), United States of America, Plano, Texas

Senior Manager, Senior Counsel - Home Loans


Capital One Financial Corporation (NYSE: COF) is a new breed of financial services provider and Fortune 500 company (#127). With more than 65 million customer accounts, our company has grown explosively since our IPO in 1994 and emerged with the two things most growing companies can only dream to achieve: one of the Americas’ largest consumer franchises with one of the most recognized brands (and wallet taglines!) in the United States. We’re an acknowledged leader in innovation by Tech Crunch for our “surprisingly well designed” Apple Pay introduction and also in work-life balance and inclusion as one of Fortune Magazine’s 100 Best Companies to Work For.

Capital One, which is still led by our founding CEO, Richard Fairbank, has grown into a $40B+ public corporation, known for world-class analytics and strategy, fueled by a brave internal culture. We were born as the first company to develop and offer mass customization and personalization of credit card products, and we’ve been adding businesses and innovating relentlessly ever since. Here you’ll find hackers, rockers, artists, entrepreneurs, and data scientists. As a team, we come to work every day looking to build digital experiences that are authentic & bold. Today we are a high-tech company, a scientific laboratory, and a well-funded force focused on designing a better way for people to engage with their money, their bank, and their financial lives. It’s audacious work at a massive scale and, hey, we think it’s pretty rewarding.


This Senior Manager, Senior Counsel position will be responsible for assisting on a broad range of consumer regulatory matters related to Capital One’s Home Loans business as a member of Capital One’s Financial Services Legal team.  The position will serve as a legal advisor for Capital One’s Home Loans business, with particular emphasis on matters relating to home-equity originations and consumer-lending issues. This includes consumer-protection regulations, operations, sales, product development, and fair-lending issues, among others. The Senior Manager, Senior Counsel will serve with legal professionals on the Financial Services team providing legal advice to the Home Loans business lines. This position will regularly advise Capital One's Home Loans lines of business on creation of new products, services, fees, compliance with consumer regulations, state and federal laws and regulations including but not limited to TILA, ECOA, TRID, RESPA, HMDA, FCRA, FDCPA, SCRA, Dodd Frank Act and related matters, and will collaborate regularly with other stakeholders within Capital One.


  • Serve as legal subject-matter expert and counselor, providing advice to Capital One’s Home Loans business.

  • Ensure timely identification, mitigation, resolution and reporting/escalation of existing and emerging legal issues and risks.

  • Support marketing and advertising activities related to mortgage and home-equity lending.

  • Review internal policies and procedures and advise Capital One’s Home Loans business on best practices, policies, and procedures.

  • Provide advice and guidance to the Home Loans business on applicable federal and state laws, rules, and regulations relevant to consumer lending.

  • Support new business initiatives, services, and other innovations in the originations functions.

  • Build and maintain effective working relationships with internal stakeholder groups.

A Successful Candidate will have:

  • Financial-services-industry knowledge and expertise, including experience with consumer regulatory requirements relating to residential mortgage and home-equity businesses.

  • A thorough knowledge of residential mortgage consumer-protection laws, including TILA, ECOA, TRID, RESPA, HMDA, FCRA, FDCPA, SCRA, Dodd Frank Act and accompanying regulations.

  • Understanding of the regulatory framework applicable to a bank originating residential mortgage and home-equity loans subject to oversight by the OCC and CFPB.

  • Ability to work in a fast-paced environment with minimal supervision.

  • Ability to manage large volume of work, including complex legal issues that may arise suddenly.

  • Ability to thrive in an environment primarily defined by close collaboration with the Home Loans business and legal colleagues to solve complex legal issues and to develop guidance and advice.

  • Ability and willingness to work as a team player, with comfort interacting with associates across departments and job levels, both inside and outside the legal department.

Basic Qualifications:

  • Juris Doctorate (J.D.) and a member to a state bar

  • At least 5 years of law firm, in-house legal department or government experience in an attorney role
  • At least 3 years of experience working with consumer regulatory matters in an attorney role
  • At least 6 months of experience working with consumer regulatory matters in residential mortgage or home-equity regulations

Preferred Qualifications:

  • 6+ years of law firm, in-house legal department or government experience in an attorney role
  • 6+ years of experience working with consumer regulatory matters in an attorney role, with a focus on residential mortgage and home-equity regulations

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

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