Join our mission to create a completely new, 100% digital bank that uses consumer feedback to truly meet customers’ best interests. Jenius Bank, a division of SMBC MANUBANK, and a member of SMBC Group, is being built by a close-knit and fun-loving team of financial services professionals and technology experts who came together for the challenge of building a full-service digital bank from scratch. We’re committed to doing it the right way for the customer and are growing rapidly. To learn more about our relationship to our parent company, visit our website. The anticipated salary range for this role is between $182,000.00 and $260,000.00. The specific salary offered to an applicant will be based on their individual qualification, experiences, and analysis of current compensation paid in their geography and the market for similar roles at time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC MANUBANK offers a competitive portfolio of benefits to its employees. . Jenius Bank is strategically scaling up a portfolio of products and building extraordinary experiences. In 2023, we launched our first two products reaching $1 billion in deposits and over $700 million in loans, all before Jenius Bank’s first anniversary. We don’t plan to slow down, with ambitious growth plans and the capital necessary to execute a multi-year strategic plan. We have a start-up mindset paired with SMBC Group’s 400 years of history. SMBC Group has more than 150 offices and 86,000 employees worldwide in nearly 40 countries and is committed to creating new business to better serve customers in the rapidly evolving digital environment. Join us on the journey that has caught the attention of the Banking Dive, and more to reinvent banking where smarter banking translates to a richer life. **SUMMARY:** Consumer Banking Attorney, member of the Bank’s Legal Department, providing analysis and counsel on legal and policy issues in the Bank related to digital consumer banking and consumer regulatory matters. **PRINCIPAL DUTIES AND RESPONSIBILITIES:** + Providing legal support to consumer digital banking product business teams, operations and new product development. + Advising internal clients on consumer regulatory compliance matters related to consumer banking, such as Regulation Z, FCRA, FDCPA, Truth in Savings, Truth In Lending Act, E-Sign, privacy, and consumer protection laws and regulations. + Drafting user terms and conditions, agreements and disclosures for online consumer bank platforms. + Identifying and evaluating compliance and other regulatory matters related to consumer banking. + Preparing analyses of various federal and state laws and regulations, including impact on the business. + Assisting with day-to-day compliance issues for the operational staff. + Assisting with regulatory examinations by federal and state regulatory agencies. + Performing other legal-related duties for the Bank as assigned by General Counsel and based on career growth interests. **POSITION SPECIFICATIONS:** + Admission to a state Bar, preferably California but other states also considered. + 10+ years minimum experience in a major law firm, in-house and / or government agency with digital consumer banking experience + Broad familiarity with federal and state consumer banking laws and regulations (e.g., + FDIC, CFPB, etc.) and consumer deposit and loan products required. + Experience working with regulators preferred. + Ability to issue spot, assess risks and solve problems, providing practical advice and solutions. **EOE STATEMENT** SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com. **CCPA DISCLOSURE** Personal Information Collection Notice: This notice contains information under the California Consumer Privacy Act (CCPA) about the categories of personal information (PI) of California residents that SMBC MANUBANK collects and the business or commercial purpose(s) for which the PI may be used. We do not sell PI. More information about our collection and use of PI may be found in our CCPA Privacy Policy at https://www.smbcmanubank.com/privacy/ccpa-disclosure . Persons with disabilities may contact our Customer Contact Center toll-free at (877) 560-9812 to request the information in this Notice in an alternative format.