Job Title:
Regulatory Compliance & Governance Counsel
Reports To:
Chief Business Affairs and Legal Officer
FLSA Status:
Exempt
Department:
Compliance
JOB SUMMARY:
Responsible for the development, implementation, and oversight of the company’s compliance program, including regulatory affairs, consumer protection, and internal governance. This senior leader will ensure that the company remains compliant with all applicable federal and state lending laws, rules, and regulations.
ESSENTIAL JOB FUNCTIONS:
- Design, implement, and manage a robust, risk-based corporate compliance program.
- Serve as the primary point of contact for compliance and regulatory matters across the organization.
- Provide guidance on regulatory risks and proactively identify potential areas of vulnerability or exposure.
- Manage relationships with bank program partners including their federal and state regulators (e.g., FDIC, Federal Reserve, CFPB, state banking departments).
- Lead regulatory examinations, audits, and responses, ensuring timely and accurate communication.
- Monitor evolving regulatory landscapes and translate developments into practical business guidance.
- Develop, review, and maintain company-wide compliance policies and procedures, ensuring alignment with current regulations and best practices.
- Collaborate with business units to embed compliance into operational processes and decision-making.
- Develop and deliver ongoing compliance training and awareness programs for employees and leadership.
- Communicate clearly and effectively about compliance risks, policies, and regulatory changes.
- Establish compliance monitoring, testing, and reporting mechanisms to assess adherence and identify gaps.
- Provide regular reports and risk assessments to executive leadership, the Board, and bank program partners.
- Build and lead a high-performing compliance and regulatory affairs team.
- Foster a culture of compliance, ethics, and accountability across all levels of the organization.
MINIMUM QUALIFICATIONS:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the minimum knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
- Juris Doctor is required and must be in good standing with the State Bar of Georgia or Texas.
- 10+ years of experience in compliance, legal, or regulatory roles within financial services, fintech, or banking.
- Deep knowledge of federal and state consumer lending laws and regulations (e.g., FCRA, TILA, FDCPA, UDAAP).
- Experience working with regulatory agencies and leading regulatory examinations.
COMPETENCIES:
- Adaptability & Agility: Comfort navigating ambiguity in a fast-paced, high-growth environment. Ability to pivot and reprioritize in response to evolving regulatory or business needs.
- Attention to Detail: Maintains a high level of accuracy and thoroughness in tasks, ensuring all details are addressed. Organizes time and resources efficiently to optimize productivity.
- Collaboration & Cross-Functional Partnership: Skilled at working across departments (legal, operations, marketing, finance, risk, etc.) to embed compliance into the business. Collaborative mindset that fosters alignment and ownership at all levels.
- Communication & Relationship Management: Clear and persuasive communicator, both in writing and in person. Ability to build trust and maintain effective relationships with internal stakeholders, regulators, and external partners.
- Ethics & Integrity: Demonstrated commitment to ethical decision-making and promoting a compliance-first culture. Willingness to take a stand and speak up, even when difficult.
- Managing People: Develops subordinates' skills and encourages growth. Includes subordinates in planning. Makes self-available to subordinates. Provides direction and gains compliance. Provides regular performance feedback. Takes responsibility for subordinates' activities
- Problem Solving & Sound Judgment: Practical and business-oriented approach to compliance and legal challenges. High level of integrity and sound professional judgment under pressure.
- Regulatory Expertise: Ability to interpret and apply complex regulatory requirements to business models and products.
- Risk Management & Mitigation: Ability to identify, assess, and mitigate legal, compliance, and reputational risks. Skilled in developing and overseeing risk-based compliance frameworks.
- Strategic Thinking: Forward-looking mindset that anticipates regulatory changes and business impacts. Ability to align compliance strategy with broader corporate goals.
SUPERVISORY RESPONSIBILITY
Yes
PHYSICAL DEMANDS
While performing the duties of this job, the employee is regularly required to stand, walk, reach, and sit for a minimum of 8 hours with or without reasonable accommodation. The employee is required to use hands to finger, handle, or feel objects and/or tools. The employee is required to talk or hear with or without reasonable accommodation and must sometimes lift and move up to 10 pounds.
WORK ENVIRONMENT
While performing the logistics duties of this job, the employee is frequently exposed to moderate noises such as computers, printers, and other light traffic noise in an office setting.
This role is in-office. Remote work may be performed from a pre-approved location, as arranged, and scheduled by team management and approved by department leadership.
OTHER DUTIES
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change or be supplemented at any time with or without notice.
