Senior Attorney, Legal – Regulatory

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

Provide general legal advice to employees and management representatives across credit and consumer lending business units regarding regulatory matters. Supports point of sale financing, home improvement lending, and unsecured consumer lending (including debt consolidation) verticals, as well as credit risk, fair lending, collections, and customer-facing operations teams. Applies knowledge of consumer protection regulations, payment systems, and credit risk management to support business objectives while ensuring regulatory compliance.

May be called upon to participate in special projects and complete assignments as requested.

• Provide legal advice and counsel to business units on regulatory compliance matters affecting consumer lending products and operations
• Analyze regulatory issues across the lending lifecycle – from origination through collections – and develop recommendations to mitigate legal risk for the enterprise
• Monitor regulatory developments and interpret their impact on enterprise operations
• Advise business units in order to comply with applicable federal and state regulations

• Draft and revise customer-facing agreements, disclosures, terms and conditions, and related documentation
• Maintain current versions of lending agreements to ensure ongoing regulatory compliance
• Analyze customer agreement provisions to ensure alignment with legal requirements and business objectives
• Provide guidance on customer documentation requirements across lending products

• Assist with preparation and response to regulatory inquiries and examinations
• Coordinate responses to legal and compliance matters, including consumer complaints
• Support implementation of remedial measures as needed

• Provide training and guidance to business units on legal and regulatory matters affecting closed end lending, operations, customer service, and collections activities
• Serve as a resource for compliance questions and issues
• Foster a culture of compliance through education and consultation

• Support and uphold the First National Operating Philosophy
• Uphold the First National Code of Business Conduct and ensure that confidential information is safeguarded
• Maintain a high level of cooperation and rapport with co-workers and business partners in order to ensure accurate and efficient operations and service
• Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the organization’s overall operation
• Foster and promote the proper company image at all times

• JD required with at least 3 years of legal experience
• Knowledge of NACHA Operating Rules and consumer lending, including Regulation B, Regulation V, Regulation Z, SCRA
• Understanding of credit risk management principles and unsecured consumer lending operations, including debt consolidation products
• Familiarity with point of sale financing and home improvement lending regulatory frameworks
• Understanding of collections regulations and customer service compliance requirements
• Knowledge of fair lending principles and consumer protection laws
• Ability to think creatively and strategically while developing practical, tactical solutions
• Demonstrate a consultative approach with the ability to analyze stakeholders’ needs
• Excellent oral and written communication skills with ability to translate complex legal concepts for business audiences
• Strong interpersonal skills, including the ability to build collaborative relationships, listen and actively contribute to discussions
• Display a positive business presence with business units and external contacts
• Demonstrate sound judgment and apply logical and critical thought processes when developing and recommending solutions
• Ability to manage multiple priorities…