Junior Regulatory Counsel (Financial Services / Lending)

What You’ll Do

• Serve as the company’s compliance officer, ensuring enterprise-wide adherence to federal and state lending and servicing regulations.
• Oversee regulatory and consumer-lending compliance, including FDCPA, TILA, FCRA, ECOA, UDAAP, and CFPB requirements, as well as multi-state licensing and audit readiness.
• Advisory leadership, providing counsel on legal, regulatory, and governance matters to the CEO, executive leadership team, and Board of Directors.
• Manage litigation, regulatory inquiries, and outside counsel relationships.
• Draft, review, and negotiate complex commercial agreements that support business objectives while mitigating risk.
• Lead compliance training, internal audits, and continuous-improvement initiatives.
• Monitor emerging legislation and guidance impacting auto and consumer finance to keep SAFCO ahead of the curve.

What You Bring

• Education: J.D. from an accredited law school; active Florida Bar membership preferred (or Authorized House Counsel eligibility).
• Experience: Minimum 1–3 years of progressively responsible legal experience in consumer finance, banking, or financial-services compliance — this background is required.
• Regulatory Expertise: Demonstrated, current working knowledge of federal and state consumer-lending laws and regulations, including FDCPA, TILA, FCRA, ECOA, UDAAP, GLBA, and CFPB standards.
• Leadership: Proven ability to influence senior leaders, manage outside counsel, and translate regulatory language into clear business action.
• Mindset: Pragmatic, solutions-oriented, and energized by the pace of a high-growth lender.