Regulatory Counsel (Hybrid)

About the role:
An American Peer-To-Peer Lending Company Legal Department is seeking a talented and team-oriented attorney to join our team. This role requires high-quality legal analysis and exceptional judgment. You must have strong oral and written communication skills, excellent interpersonal and influencing skills, an ability to anticipate and deliver legal support to satisfy the needs of dynamic business teams, and the flexibility to manage a variety of assignments at a time.

What You'll Do:

• You will deliver strategic and tactical legal support primarily for An American Peer-To-Peer Lending Company Bank's consumer deposit and lending products
• You will assist in monitoring and analyzing federal, state, and local regulatory developments concerning consumer banking products and operations and other activities that may impact our bank and marketplace, and engage with our business partners to ensure understanding of the same and operational readiness
• You will serve as a trusted advisor and partner to customer-facing teams and operations teams, such as customer experience teams, customer service teams, banking operations teams, including providing support related to An American Peer-To-Peer Lending Company digital platforms and services, client relationship matters, customer complaints and non-standard client requests and escalations
• You will serve as a trusted advisor and partner to business teams, including advising and partnering on the development of new products and services, training and advising on consumer finance laws and regulations applicable to our business, third party management activities, reviewing marketing materials and advising on product and customer servicing and collections matters
• You will partner with our Compliance and Risk teams to ensure comprehensive risk support for the consumer banking products we offer including the management of internal and external compliance reviews and examinations, and regulatory exams by government agencies
• You will collaborate with team members to identify issues and improve existing processes and procedures to ensure consistent interpretation and application of legal requirements across An American Peer-To-Peer Lending Company Bank's product suite
• You will drive and support other matters in support of An American Peer-To-Peer Lending Company Bank's strategic objectives
• You will assist the Legal Department in support of any other assignments that you may be asked to help with
• You assess unusual circumstances and use sophisticated analytical and problem-solving techniques to identify cause
• You devise solutions based on limited information and precedent and adapt existing approaches to resolve issues

About You:

• 3+ years of experience, J.D. degree, and a state bar membership in good standing
• Combined law firm, government and/or in-house legal department experience in a bank or financial technology company (with direct experience in these areas). In-house experience with a bank, fintech, or credit union preferred
• You should have at least 2 years of experience in consumer finance law and regulations
• You must have demonstrated experience advising on some or all of the following laws and regulations: TISA/Regulation DD; Funds Availability/Regulation CC; TILA/Regulation Z; ECOA/Regulation B; FCRA/Regulation V; EFTA/Regulation E; ESIGN; FDCPA/Reg F; GLBA/Regulation P; UDAAP; and/or state law analogues
• You adapt well to a rapidly changing business environment and thrive on innovation and change
• You are comfortable in a legal support role that extends beyond delivery of advice to getting involved in the hands-on execution and implementation of legal advice with business partners
• You can manage multiple transactions or tasks, take on new responsibilities, and advise on novel issues
• You have the proven ability to develop collaborative relationships with internal partners and external customers, with comfort interacting with and influencing colleagues across departments and job levels
• You have a high level of integrity and are able to have candid conversations with business leaders in support of your position if needed
• You adapt style to differing audiences and often advise others on difficult matters