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 Product and Regulatory Counsel will report to the Company’s VP, Associate Counsel & Assistant Secretary and will work closely with other attorneys in the Company’s Legal Department as well as key members of the Compliance, Marketing, and Technology Departments. This position will provide legal guidance throughout the entire lifecycle of financial products, from conceptualization to launch and maintenance. The Product and Regulatory Counsel will ensure compliance with financial regulations, manage risk, and collaborate with product, engineering, and marketing teams to facilitate compliant, rapid innovation of the Company’s lending products. The successful candidate will have the following specific qualifications and experience: Familiarity with legal issues arising in consumer lending, bank sponsor programs, technology, and consumer protection.

Duties and responsibilities

• Represent Legal on cross-functional teams to help design and implement financial products, identify creative solutions to unique use cases and escalated issues, and ensure compliance with financial regulations and other applicable laws, partner contracts, card brand rules, and industry best practices.
• Review customer-facing materials, including multi-channel advertising, and user experience content, for compliance with federal and state laws and best practices, and provide feedback and guidance to stakeholders.
• Advise on state and federal regulatory matters, including the engagement and management of outside legal counsel when necessary.
• 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.
• Preparation of legal documents including loan contracts and related documentation, software service agreements, non-disclosure agreements, and other commercial and related agreements.
• 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.

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); you
• At least 3 to 5 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 0-5%

Working conditions

• Works in an office environment
• Able to sit and work at a computer keyboard for extended periods of time
• Able to lift and move up to 25 pounds occasionally
• The salary range for this position varies by experience and location. The range is between 137,800.47 - 206,700.70 USD.

If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: https://regionalfinance.com/wp-content/uploads/2022/11/UPDATED-Employee-Privacy-Policy-11.2022.pdf

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.