Associate Counsel, Regulatory

Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times.

We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team.

If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board!

Job Purpose

The Associate Counsel will report to the Company’s Sr. Director, Associate Counsel and will work closely with other attorneys and staff in the Company’s Legal Department and Compliance Department. This position will assist in protecting the Company’s legal interest and in maintaining its operations within the scope of established law. The Associate Counsel is responsible for identifying and analyzing legal issues, assisting in the drafting of key documents, obtaining and overseeing the work of outside counsel, assisting in the negotiation of Company contracts, assisting in the development of corporate policies, procedures, and programs, presenting clear recommendations to management, and otherwise assuring legal compliance with a primary focus on regulatory compliance in the consumer finance space. The successful candidate will have the following specific qualifications and experience: Familiarity with legal issues arising in consumer lending, technology, consumer protection, financial services and operations.

Duties and Responsibilities

· Assists Sr. Director, Associate Counsel in managing programs designed to facilitate compliance with applicable federal, state and local laws/regulations related to secured and unsecured loan products as well as associated credit reporting, data protection/privacy and vendor management compliance obligations

· Advise on state and federal regulatory matters, including the engagement and management of outside legal counsel when necessary

· Assist in the creation and drafting of Company policies, procedures, and programs

· Advise on and perform tasks related to the legal aspects of the Company’s business

· Continuously monitor and maintain comprehensive knowledge of consumer lending and other applicable laws/regulations for a multi-state consumer finance company with numerous locations and a digital platform

· Notify appropriate business owners of relevant industry legal and regulatory changes and provide legal advisory support in relation to those changes

· Drafts legal documents including loan contracts and related documentation, IT/software service agreements, non-disclosure agreements, and other commercial and related agreements.

· Assists in evaluating the business impacts of new legislation/regulation and the associated drafting of proposed legislation/regulation.

· Work cooperatively and strategically with other departments to advise on matters consistent with applicable laws and regulations, including closely assisting with state and digital expansion efforts

· Conduct legal research and draft memoranda, as needed

· Strong leadership and people management skills

Minimum Qualifications

· Law degree and admitted to a state bar

· Knowledge of the following laws and regulations: Uniform Commercial Code (UCC) Article 2 and Article 9; Unfair, Deceptive or Abusive Acts or Practices (UDAAP) principles; Federal Trade Commission Act; Truth in Lending Act (TILA/Reg. Z); Fair Credit Reporting Act (FCRA/Reg. V); Fair Debt Collection Practices Act (FDCPA); Equal Credit Opportunity Act (ECOA/Reg. B); CAN-SPAM Act; Telephone Consumer Protection Act (TCPA); state direct loan laws including finance lender laws and Uniform Consumer Credit Code laws; state motor vehicle dealer laws; and state installment sales and sales finance laws.

· Three to ten years of experience in the legal field

· Experience advising clients with respect to legal issues arising in consumer lending, technology, consumer protection, financial services and operations

· Ability to research laws and regulations

· Proficient in Microsoft Word, Excel, and PowerPoint

· Excellent analytical abilities, attention to detail, professional written and verbal communication, and interpersonal skills required

· Ability to prioritize assignments, deal with interruptions, and meet deadlines in a fast-paced and growth oriented environment

· Ability to travel 5-10%

Compensation Range: $110,000-$165,000

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Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law (“Protected Characteristics”). Regional’s policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.