As part of our legal and compliance team, you will play a key role in shaping policies, managing regulatory inquiries, and navigating financial services law, compliance responses, state licensing, and regulatory enforcement matters. If you’re a problem solver who embraces complexity and drives practical solutions, we want to hear from youWe’re looking for a business-minded attorney who isn’t afraid to roll up their sleeves and lay the groundwork for success. This role requires a proactive, solution-driven legal professional who can balance legal risk with company growth objectives while ensuring regulatory compliance. The ideal candidate thrives in a fast-paced environment, takes ownership of challenges, and works hands-on to support business expansion and innovation.Location & Work AuthorizationThis role can be performed remotely; however, we prefer candidates based in Atlanta, GA, as the team prefers to meet in person once a weekMust be authorized to work in the U.S. | Sponsorship and Corp-to-Corp arrangements are not available.

As Senior Legal Counsel, you will:

Monitor, research, and implement state and federal financial services compliance, ensuring adherence to laws such as ECOA, UDAAP, Fair Lending, and BSA/AML.
Evaluate and manage regulatory change actions, ensuring business compliance with new laws and regulations.
Oversee state licensing, ensuring all applications, renewals, and reporting requirements are met.

Respond to subpoenas, Attorney General (AG) requests, and other regulatory inquiries.
Develop processes to track and manage regulatory examinations, enforcement actions, and risk assessments.
Work closely with regulators and external counsel to ensure accurate and timely legal responses.

Oversee small business and consumer litigation, providing risk-based legal guidance.
Manage relationships with outside counsel, legal consultants, and litigation teams to ensure cost-effective and strategic legal defense.
Support legal efforts in contract disputes, compliance enforcement actions, and fair lending cases.

Provide legal oversight for Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) compliance programs.
Advise on Fair Lending (ECOA) and anti-discriminatory practices, ensuring internal policies align with legal requirements.
Collaborate with risk and compliance teams to implement internal controls, reporting mechanisms, and audits for compliance.

Partner with engineering, risk, and operations to implement compliance frameworks and reporting tools.
Advise product development teams on regulatory risks associated with new consumer lending products.
Train internal teams on compliance obligations, financial services law, and regulatory expectations.

What Makes You a Great Fit:

J.D. degree from an accredited law school and active membership in a U.S. state bar.
5+ years of legal experience in financial services, fintech, or a regulated industry, with expertise in consumer lending, compliance, and litigation.
Strong knowledge of consumer protection laws (UDAAP, ECOA, Fair Lending, BSA/AML, state financial services regulations).
Experience handling subpoenas, AG responses, regulatory audits, and compliance inquiries.
Proven ability to manage state licensing, compliance reporting, and regulatory change management.
Hands-on experience with litigation strategy, outside counsel management, and risk mitigation.

Preferred:

In-house legal experience at a fintech, financial services company, or bank.
Experience partnering with engineering teams to develop compliance solutions.
Knowledge of digital accessibility and regulatory requirements for online financial services.

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Senior Legal Counsel