VP, Consumer Banking Counsel (Hybrid)

• 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.

Statement of Understanding

This job description is intended to provide a general overview of the essential duties, responsibilities, requirements, and working conditions associated with the position. It is not intended to be an exhaustive or comprehensive list of all tasks or responsibilities.  The organization may assign additional duties or modify existing ones as needed, at its discretion. Job descriptions may be updated periodically to reflect business needs and organizational changes.

Reasonable accommodations may be made in accordance with the Americans with Disabilities Act (ADA) and other applicable laws, so long as such accommodations do not pose undue hardship to the organization or create significant health or safety risks.

Nothing in this job description should be construed as creating an employment contract, either expressed or implied. Employment remains at-will, meaning that either the team member or the organization may end the employment relationship at any time, for any reason not prohibited by law.

Equal Employment Opportunity (EEO)

Georgia United is committed to providing equal employment opportunities and fostering a workplace where all individuals have the chance to succeed. We consider all qualified applicants for employment and advancement without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law. We value the unique perspectives and contributions that each team member brings to our organization, believing that a diverse and inclusive workforce strengthens our credit union.

E-Verify

Georgia United participates in the U.S. Department of Homeland Security’s E-Verify program. E-Verify is an online system used to confirm the eligibility of employees to work in the United States. This process involves electronically verifying the information provided by new hires against records maintained by the Department of Homeland Security and the Social Security Administration.