Assistant General Counsel, Regulatory

Tally; San Francisco (CA); Hybrid; USD 175,000 - 230,000; Full time

Benefits offered by this job

401(k) match

Health, dental and vision plans

Parental leave (up to 16 weeks)

Equity awards

Job summary

Happen Bank is seeking a senior in-house counsel with extensive experience in consumer finance law to provide strategic legal support across product development, partnerships, and regulatory compliance. You will partner with Compliance, Risk, and business teams to ensure risk-aware execution and interpret complex regulations.

The role requires at least 10 years of combined legal experience and a J.D., with strong advisory and hands-on execution abilities.

Qualifications

• J.D. from an accredited law school and licensed, in good standing, in one or more states to practice law.
• Minimum 10 years combined law firm, government and/or in-house experience; at least 8 years in consumer finance law and regulations; preference for 5 years in-house at a bank, credit union or consumer lending fintech.
• Experience advising on TILA/Reg Z; ECOA/Reg B; FCRA/Reg V; BSA/AML; EFTA/Reg E; TCPA, TSR, CAN-SPAM, and/or state law analogues; FDCPA and/or state analogues; UDAAP; and GLBA/Reg P.

Responsibilities

• Provide strategic and tactical legal support for all consumer finance-related activities across the business.
• Advise on product development, partnerships, and compliance with consumer finance laws.
• Monitor regulatory developments and coordinate with Compliance and Risk teams.
• Assist in investigations of consumer complaints and regulatory examinations.
• Collaborate to improve processes for consistent legal interpretation across the marketplace.
• Support other legal team objectives and mentor junior members.

Skills

Legal analysis

Regulatory compliance

Stakeholder influence

AI in legal workflows

Education

J.D. from an accredited law school

Licensed to practice in one or more states

10+ years in legal practice

8+ years in consumer finance law

Tools

Contract negotiation tools

Regulatory research databases

Job description

About the Role

This role requires high-quality legal analysis and exceptional judgment. You must have strong oral and written communication skills, excellent interpersonal and influencing skills, an ability to anticipate and deliver legal support to satisfy the needs of a dynamic business team, and the flexibility to manage a variety of assignments at a time.

What You'll Do

• You will deliver strategic and tactical legal support for all aspects of our activities in the consumer finance industry and across all stages of our members’ experiences
• You will serve as a trusted advisor and partner to business teams, including advising and partnering on the development of new products and services, training and advising on consumer finance and other laws and regulations applicable to our business, third party management activities, marketing materials, and drafting and negotiating partnership and other business agreements
• You will assist in monitoring and analyzing federal, state, and local regulatory developments concerning lending, servicing, and other activities that may impact our marketplace and engage with our business partners to ensure understanding of the same and operational readiness
• You will partner with our Compliance and Risk teams to ensure comprehensive risk support, including assisting in the investigation of and response to consumer complaints and the management of internal and external compliance reviews and examinations, including regulatory exams by government agencies
• You will collaborate with team members to identify issues and improve existing processes and procedures to ensure consistent interpretation and application of legal requirements across Happen Bank’s marketplace
• You will drive and support other matters in support of Happen Bank’s strategic objectives
• You will assist the Legal Department in support of any other assignments that may be assigned to you
• You may oversee other legal team members and support them in accomplishing some or all of the above responsibilities and objectives

About You

• J.D. from an accredited law school and licensed, in good standing, in one or more states to practice law (not necessary to be licensed in the states where Happen Bank has offices)
• You must have at least 10 years of combined law firm, government and/or in-house legal department experience, and at least 8 years of experience in consumer finance law and regulations with a preference for at least part of the 5 years in-house at a bank, credit union or consumer lending fintech
• You must have demonstrated experience advising on some or all of the following laws and regulations: TILA/Regulation Z; ECOA/Regulation B; FCRA/Regulation V; BSA/AML; EFTA/Regulation E; TCPA, TSR, CAN-SPAM, and/or state law analogues; FDCPA and/or state law analogues; UDAAP; and GLBA/Regulation P
• You adapt well to a rapidly changing business environment and thrive on innovation and change
• You are comfortable in a legal support role that extends beyond delivery of advice to getting involved in the hands-on execution and implementation of legal advice with business partners
• You can manage multiple transactions or tasks, take on new responsibilities, and advise on novel issues
• You have the proven ability to develop collaborative relationships with internal partners and external customers, with comfort interacting with and influencing colleagues across departments and job levels
• You have a high level of integrity and are able to have candid conversations with business leaders in support of your position if needed
• You understand how to apply AI to complex, high‑stakes work — not just for efficiency, but to unlock better outcomes. You set a high bar for responsible use, including attention to data integrity, model limitations, and compliance considerations. You're building new workflows, not just using existing ones

Work Location
San Francisco, Lehi, New York
Time Zone Requirements
Local hours (PT, MT, ET)
While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.
Travel Requirements
As needed travel to Happen Bank offices and/or other locations, as needed.
Compensation
The target base salary range for this position is 175,000-230,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank's Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).
We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.
#LI-Hybrid
#LI-BC1

Happen Bank is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.

We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at [e-mail].

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