Senior Product Counsel, Mortgages

This is a fully remote position, open to applicants in United States.

📋 Description

• Act as the main legal contact for day-to-day operations concerning assigned Zillow Home Loans mortgage products.

• Offer comprehensive legal counsel throughout the entire lifecycle, from concept and design to launch and subsequent iterations.

• Guide product and engineering teams on both state and federal mortgage regulatory standards.

• Collaborate with AI/ML engineering teams to establish compliance protocols for AI-driven and agentic functionalities.

• Evaluate model outputs and create assessment criteria for legal and regulatory adherence.

• Provide risk-informed advice on product design and necessary disclosures.

• Work closely with business partners on initial concerns, pilot projects, and significant initiatives.

• Present legal risk assessments and recommendations to upper management.

• Draft, review, and negotiate commercial agreements and data rights contracts.

• Collaborate with compliance, privacy, fair lending, marketing, and communications teams.

• Educate product, engineering, and business partners on legal requirements related to mortgage and lending.

⛳️ Requirements

• Over 7 years of relevant experience either in a national or regional law firm or within an in-house legal department.

• Significant background in consumer finance, mortgage, or product counseling.

• Preferred in-house experience at a mortgage lender, fintech, or prop tech company.

• Juris Doctor (JD) degree.

• Active admission to the state bar in at least one jurisdiction.

• Profound understanding of the mortgage and consumer lending regulatory landscape, including RESPA, TILA, ECOA, UDAAP, and state mortgage licensing.

• Experience in advising on product development processes.

• Proven experience in drafting and negotiating vendor, technology, or services agreements.

• General knowledge of GLBA, TCPA, and the emerging state and federal regulations regarding AI and algorithms is a plus.

• Exceptional written and verbal communication abilities.

• Strong organizational skills with the capability to independently manage multiple competing and time-sensitive projects.

• Good judgment on when to make decisions, consult a subject matter expert, or escalate issues.

• Proven track record of building trust and collaborating effectively across various departments and organizational levels.

🏝️ Benefits

• Equity awards determined by factors such as experience, performance, and location.

• Opportunity for remote work from a location of the employee's choice within eligible U.S. locations.

• Assurance that employees will not earn below the salary threshold for exempt employees in their residing state.

• Commitment to equal employment opportunity and accommodation support.