Above Lending, Inc. is a next-generation financial services company. We provide simple and transparent products aimed to help our clients achieve their personal finance aspirations and take control of their debt. With competitive rates and personalized support from our loan specialists, our mission is to simplify the lending process and help borrowers attain financial well-being. We are passionate about making credit more affordable and accessible, and we're committed to helping our clients accomplish their goals.

(Remote Position)

The Associate General Counsel and Director of Compliance is responsible for working with the GC/CCO to ensure the organization operates in compliance with all applicable federal and state laws and regulations regarding the marketing, origination, servicing and collection of consumer loans. This role will provide strategic direction and leadership on legal and regulatory matters to management, as well as provide legal support in day-to-day operations. The successful candidate will have the ability to build strong relationships, trust and share knowledge openly, anticipate and guard against legal risks, and develop and recommend policy and procedures. This position will interact directly with internal business leaders and stakeholders and third-party business partners. Successful candidates will provide a strategic blend of both legal and business competencies

Essential Duties and Responsibilities:

-Design and conduct compliance quality assurance and testing applicable to consumer lending and marketplace lending bank partner loan program in the marketing, origination, servicing and collection of consumer loans

-Oversee the internal compliance review functions

-Random call auditing to ensure compliance with UDAAP, FCRA, TSR, TILA, GLBA, and other state and federal consumer lending regulations and Company policies and procedures

-Oversee the annual risk assessment process

-Develop KRI metrics and work with internal analytics teams to develop management reporting

-Assist GC/CCO in responding to state/federal agency inquiries and consumer complaints.

-Assist GC/CCO in monitoring changes in applicable laws and regulations, and the effect of those changes on Company practices

-Assist outside auditors, as needed

-Provide routine feedback to management for process improvement.

-Develop and maintain current knowledge of all applicable state laws and regulations regarding consumer lending.

-Determine and assign applicable compliance training courses to company-wide employees.

-Collaborate with internal and external business partners to formulate balanced and compliant business practices and procedures

-Provide hands-on counsel to employees and management related to legal and regulatory matters

-Develop, review, and update company policies and procedures

-Identify, research, anticipate and advise the Company on legal and regulatory risks applicable to the Company operations

-Draft, review and negotiate contracts

-Structure, draft and review compliance reports and other legal documents

-Liaison with outside counsel as needed

-Perform all other duties as needed

Essential Skills & Knowledge:

-License to practice law in at least one U.S. state, preferably in Texas

-Prefer 4-10 years experience with a law firm or as in-house counsel, particularly in consumer financial services industry with a focus on regulatory compliance

-Previous audit or supervisory experience in regulatory compliance referred.

-Excellent analytical, communication, administrative and project management skills

-Strong attention to detail

-Strong technical understanding of the financial services regulatory environment.

-Excellent communication skills.

-Proficient understanding of the internal audit processes a plus.

-Prior experience communicating with regulators a plus

Education and/or Experience:

-Law degree (J.D.) from an accredited law school

-A C.P.A and/or Certified Regulatory Compliance Manager (CRCM) a plus.

-Prior experience in the fintech lending or marketplace lending is desirable

Essential Technical Skills:

-Proficient with Microsoft Office & G-Suite software applications

-Experience developing audit and monitoring and related reporting