Sr Corporate Counsel - Consumer Lending

About the Role

We are looking for a Sr Corporate Counsel to join the 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 a dynamic business team, and the flexibility to manage a variety of assignments at a time.

Responsibilities

• Deliver strategic and tactical legal support for all aspects of our activities in the consumer finance industry, primarily related to our unsecured lending products, auto loan refinance, and point-of-sale financing across all stages of our members’ experiences.
• Serve as a trusted advisor and partner to business teams, including advising and partnering on the development of new products and services and changes to existing ones, advising on consumer finance and other laws and regulations applicable to our business, issues management, and review of marketing and UX materials.
• Assist in monitoring and analyzing federal, state, and local regulatory developments concerning lending, servicing, and other activities that may impact our bank and engage with our business partners to ensure understanding of the same and operational readiness.
• Partner with our Compliance team to ensure comprehensive risk support, including assisting in the investigation of and response to consumer complaints and the management of internal and external compliance reviews and testing.
• Collaborate with team members to identify issues and improve existing processes and procedures to ensure consistent interpretation and application of legal requirements across the bank.
• Drive and support other matters in support of the bank’s strategic objectives.
• Assist the Legal Department in support of any other assignments that may be delegated to you.

Qualifications

• J.D. from an accredited law school and licensed, in good standing, in one or more states to practice law (not necessary to be licensed in the states where the bank has offices).
• At least 3-5 years of combined law firm, government, and/or in-house legal department experience, with at least 1-2 years of experience in consumer finance law and regulations, preferably with some in-house experience at a bank, credit union, or fintech.
• Demonstrated experience advising on some or all of the following laws and regulations: TILA/Regulation Z; ECOA/Regulation B; FCRA/Regulation V; BSA/AML; EFTA/Regulation E; TCPA, TSR, CAN-SPAM, and/or state law analogues; FDCPA and/or state law analogues; UDAAP; and GLBA/Regulation P.

Skills

• Adapt well to a rapidly changing business environment and thrive on innovation and change.
• Eagerness to learn new things and lean into new technology, including Artificial Intelligence tools in the legal space.
• Comfortable in a legal support role that extends beyond delivery of advice to hands-on execution and implementation of legal advice with business partners.
• Ability to manage multiple transactions or tasks, take on new responsibilities, and advise on novel issues.
• Proven ability to develop collaborative relationships with internal partners and external customers, with comfort interacting with and influencing.
• High level of integrity and ability to have candid conversations with business leaders in support of your position if needed.

Work Location

San Francisco, Lehi, or New York. The above locations are eligible offices for this role, determined to foster in-person collaboration. We utilize a hybrid work model, with in-office attendance required Tuesdays, Wednesdays, and Thursdays. Remote placement will not be considered.

Time Zone Requirements

Local hours (PT, ET). Flexibility to work across time zones when necessary, as Happen Bank is headquartered in Pacific Time.

Travel Requirements

As needed travel to Happen Bank offices and/or other locations.

Pay

The target base salary range for this position is $137,000-$220,000. The base salary will be determined by job-related knowledge, experience, education, skills, and location. Base salary is part of Happen Bank's Total Rewards package, which may also include long-term awards (equity) and an annual bonus.

Benefits

• Medical, dental, and vision plans for employees and their families.
• 401(k) match.
• Health and wellness programs.
• Flexible time off policies for salaried employees.
• Up to 16 weeks paid parental leave.