---
title: 'Senior Regulatory & Product Counsel at Trovy'
canonical: 'https://feeny.ai/job/senior-regulatory-product-counsel-trovy-salt-lake-city-4yerrbwqjj3a'
type: 'job'
last_seen: '2026-09-24'
---

# Senior Regulatory & Product Counsel at Trovy

- **Company:** Trovy
- **Location:** Salt Lake City, UT
- **Compensation:** $185k–$225k
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-09-18
- **Last confirmed live:** 2026-09-24
- **Apply:** https://jobs.ashbyhq.com/trovy/5a1803eb-5d5d-4b77-9689-98977d161c7c/application

**Skills:** TILA/Regulation Z, RESPA, ECOA/Regulation B, FCRA, HMDA, HOEPA, UDAAP, TCPA, State mortgage and lending law, Multi-state regulatory compliance, Regulatory examinations, Fintech experience, Neobank experience, Mortgage lender experience, Financial services startup experience

> Serve as the primary legal partner for Trovy's regulatory, compliance, and legal functions, advising on federal and state consumer financial laws across lending and card businesses. Own the compliance program, support product launches, and manage regulatory risk in a fast-paced fintech environment.

## Job description

## About Us

Trovy is building the financial home base for America's 86 million homeowners — the go-to platform for managing your home and accessing low-rate credit, because life is expensive and unpredictable. We believe your biggest asset should unlock your best financial options: bypass the myriad of expensive, rigid credit products and replace them with one simple, powerful solution built around your home equity. Backed by top-tier venture capital, Trovy is led by a team of proven fintech innovators on a mission to make homeownership and personal finances more manageable. Don't own a home without it.

## Role Overview

We are looking for a talented and capable lawyer to serve as a strategic legal partner and own Trovy's regulatory, compliance, and legal function. You will be embedded across product, operations, marketing, and leadership teams, helping Trovy move fast while managing legal and regulatory risk with rigor across our lending and card businesses and our multi-state regulatory footprint. This is a high-ownership, cross-functional role reporting directly to the Chief Operating & Legal Officer.

## What You'll Be Doing

- Serve as Trovy's primary legal resource on federal consumer financial law, including TILA/Regulation Z, RESPA, ECOA/Regulation B, FCRA, HMDA, and HOEPA
- Advise on state mortgage and lending law across a 26-state licensing footprint, including open-end credit, homestead, and right of rescission requirements
- Own Trovy's compliance program, including the compliance management system, policies, and regulatory risk framework
- Play a key role in planning and executing on new product launches — advising on regulatory requirements, structuring compliant product features, and supporting go-to-market from a legal and compliance perspective
- Counsel product and engineering teams on regulatory requirements for new features
- Advise on mortgage servicing requirements and ensure servicing practices meet applicable legal standards — including customer complaints, escalations, and non-standard servicing situations
- Review HELOC agreements, cardholder agreements, change-in-terms notices, and consumer disclosures for accuracy and compliance
- Advise on third-party and vendor relationships from a regulatory and compliance standpoint, including bank partner and service provider arrangements
- Advise marketing on advertising copy, email, SMS, and digital content — applying UDAAP, TCPA, and truth-in-lending standards
- Identify legal and compliance issues proactively, and collaborate with business teams to improve processes and ensure consistent application of legal requirements across Trovy's product suite
- Track federal and state regulatory developments — rulemaking, guidance, enforcement actions — and advise leadership on implications for Trovy
- Oversee licensing and regulatory relations
- Support corporate matters including equity transactions, investor relations, and board governance from a legal perspective
- Advise on privacy and data security obligations in a consumer financial services context
- Assist with investor and corporate diligence on regulatory and legal matters as needed
- Support outside counsel relationships and manage legal spend on matters within scope

## What We're Looking For

- J.D. and active bar admission
- 7+ years of legal experience with meaningful focus on consumer financial regulatory law — mortgage lending, open-end credit, or related consumer credit products
- Deep knowledge of TILA/Regulation Z (including HELOC-specific rules), RESPA, ECOA, FCRA, and HOEPA
- Hands-on experience with state mortgage or lending licensing and multi-state regulatory compliance
- Experience managing federal or state regulatory examinations or supervisory processes
- Fintech company, neobank, mortgage lender, or financial services startup experience
- Ability to work independently in a fast-moving environment and translate regulatory complexity into clear, actionable guidance
- Strong judgment and intellectual honesty — comfortable giving direct advice under uncertainty

## Compensation & Benefits

- Compensation: Base Salary: $185,000 - $225,000 + Equity + Bonus
- Market Opportunity: Join a team tackling the $30T home equity market.
- Early Impact: Help shape our operations from the ground up.
- Ownership: Competitive salary, meaningful equity, and room to grow.
- Location: On-site, Salt Lake City or New York City.
- Benefits: 401K account, 100% company-paid dental, medical, vision and life insurance, flexible time off, free lunch in-office every week, and more!

## About Trovy

## Core Business
- **Primary industry**: Financial Services – Home equity lending and consumer finance
- **Target customers**: B2C – Homeowners seeking low-cost access to their home equity for debt consolidation, home improvements, or everyday expenses
- **Mission/purpose**: “Your home is your greatest asset. Trovy helps you use it that way.”

## Products & Services
- **Trovy HELOC (Home Equity Line of Credit)**: A digital-first HELOC offering up to $250k with variable rates starting at 5.99% APR. Key features include no upfront draw on loans ≤$100k, funding in as few as 4 days, and a linked Trovy Card (Mastercard) for instant access. Borrowers can choose variable or fixed rates (via FixedPay feature) and can draw, repay, and redraw repeatedly. No application, appraisal, or annual fees; 2% cash back on home purchases and 1% on everything else when using the Trovy Card (no interest on purchases if paid monthly in full).

## Market Standing
- **Valuation/Market Cap**: Not publicly available
- **Key Metric**: Headcount of 15 employees (as of mid-2026), with +214.3% year-over-year growth and +22.2% monthly growth. LinkedIn followers: 1,703 (yearly growth +782.4%).
- **Notable Investors/Partners**: Not disclosed on the website or LinkedIn. The company is privately held and does not list investors publicly.
- **Growth Signals**: Expanded to 20 licensed states (including California) within the first year; featured in NerdWallet (May 2026); rapid headcount growth; alumni from companies like Figure, DocGo, Azibo.

## Competitive Advantages
- **Speed & convenience**: 100% online application, remote notary, and funding in as few as 4 days (vs. traditional HELOC timelines of weeks).
- **Flexibility**: No minimum upfront draw for loans ≤$100k; ability to switch between variable and fixed rates on individual balances; card-based access anywhere Mastercard is accepted.
- **Low cost**: Rates comparable to mortgages, significantly lower than credit cards or personal loans; minimal fees (no application, appraisal, or annual fees; no draw fee when using the Trovy Card for purchases).
- **Modern user experience**: Digital-first, with a focus on eliminating friction (no checks, no in-person meetings).

## Strategic Focus
- **Platform expansion**: Trovy aims to become the standard “homeowner platform,” extending beyond HELOCs into a suite of products that help homeowners manage equity, access credit, and optimize their finances over a lifetime.
- **Geographic growth**: Currently licensed in 20 states, with plans to expand nationwide.
- **Product innovation**: Continued development of the Trovy Card, FixedPay feature, and integration of home equity into everyday spending.

## Why Work Here
- **Culture & mission**: Trovy is a mission-driven fintech startup reimagining home equity access. The team is described as “#Teamgold” – collaborative, fast-moving, and focused on solving a real consumer pain point.
- **Work environment**: Primary office in Manhattan (1460 Broadway, overlooking Bryant Park) with an operations center in Salt Lake City, Utah. The company is early-stage (15 employees), offering significant ownership and impact from day one.
- **Growth opportunity**: Rapid headcount growth (+214% YoY) and a young company (founded 2024) mean early employees can shape the product and culture. Technical roles make up 23% of the team.
- **Perks**: White-glove customer service ethos, modern fintech stack, and a focus on building a category-defining product. The careers page (via Ashby) lists open roles; the company values transparency and speed.

## Sources
1. [trovy.com](https://trovy.com/)
2. [trovy.com/company](https://trovy.com/company/)
3. [trovy.com/careers](https://trovy.com/careers/)
4. [LinkedIn – Trovy Technologies](https://www.linkedin.com/company/trovy-technologies-inc)
5. [Ashby Careers Page](https://jobs.ashbyhq.com/trovy)

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