Consumer Finance Attorney

About the position

Republic Finance is seeking an experienced attorney with expertise in consumer lending and finance to join its Legal & Compliance team. This role is crucial within a collaborative and high-performing department, focusing on providing legal advice and guidance on consumer finance regulatory compliance. The ideal candidate will have a deep understanding of the consumer finance industry and experience in a fast-paced, regulated environment.

Responsibilities
• Provide expert legal advice and guidance on federal and state consumer finance regulatory compliance, laws, and legal issues.
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• Develop and maintain subject matter expertise on assigned legal topics and stay current on relevant laws and regulations.
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• Work closely with various departments to provide pragmatic legal advice while supporting company initiatives.
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• Develop, review, and revise policies, procedures, and training materials to align with company strategies.
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• Communicate and negotiate effectively with internal teams and external parties, including regulators and vendors.
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• Make formal presentations to business teams and senior leadership regarding regulatory and legal aspects of initiatives.
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• Collaborate with outside counsel as directed.

Requirements
• Law degree - licensed by, and in good standing with, at least one US state bar licensing authority.
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• 4-8+ years of relevant experience in consumer lending and servicing legal and regulatory aspects.
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• Experience with bank partnership lending structures is a plus.
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• Knowledge of state consumer protection laws and regulations related to lending and servicing.
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• Knowledge of federal consumer protection laws including ECOA, TILA, FCRA, FDCPA, TCPA, GLBA, SCRA, and UDAAP.
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• Strong interpersonal skills and ability to contribute to a collaborative team environment.
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• Ability to work independently, exercise judgment, and resolve challenges promptly.
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• Ability to assess risks and provide pragmatic advice in a fast-paced environment.
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• Tech-savvy with the ability to utilize proprietary software and databases.
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• Effective communication skills for both in-office and remote work.

Nice-to-haves

Benefits
• Health, Dental, & Vision Insurance
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• 15 days of Paid Time Off (PTO) to start + 1 additional personal holiday
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• 401k + employer match
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• Company provided Life Insurance & Long Term Disability
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• Employee Assistance Program - Confidential mental health support
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• Employee of the Month Program
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• Philanthropic support for charities such as Juvenile Diabetes Research Foundation and the American Cancer Society
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• Regular drawings for Sports tickets
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• Professional offices with a friendly team environment

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