Finance, Bankruptcy & Restructuring Associate - Consumer Financial Services Team - Multiple Offices

Womble Bond Dickinson (US) LLP; City of Albany (NY); On-site; USD 220,000 - 325,000; Full time

Benefits offered by this job

Medical

Dental

Vision

Life insurance

401(k)

PTO

Job summary

Womble Bond Dickinson (US) LLP seeks an Associate to join the Consumer Financial Services Regulatory Compliance Practice Group in Albany, Washington, DC, or Cleveland. You will advise financial institutions and lenders on state and federal regulatory requirements and help develop compliant products and disclosures.

The role requires 2–5 years of experience in financial services compliance, strong legal research and drafting skills, and admission to practice in the relevant jurisdiction;

Qualifications

• 2–5 years of experience in financial services compliance or a related practice area.
• Familiarity with state and federal consumer financial services laws and related regulatory frameworks governing origination, servicing, licensing, and collection.
• Experience advising financial institutions, Fintechs, specialty lenders, or other regulated financial services providers is preferred.
• Excellent legal research, analytical, drafting, and communication skills.
• Strong attention to detail and the ability to manage multiple matters in a fast-paced environment.
• Admission to practice in the jurisdiction where the candidate will reside and work, or eligibility to become admitted promptly upon hire.

Responsibilities

• Advise a broad range of financial services providers on state and federal regulatory compliance requirements.
• Counsel clients regarding origination and underwriting, licensing, documentation, servicing, privacy, collection and asset recovery, and related regulatory matters.
• Assist clients in preparing for and responding to state and federal examinations, investigations, regulatory inquiries, and enforcement actions.
• Analyze and advise on compliance with state and federal consumer financial laws, including: TILA, FDCPA, FCRA, RESPA, SCRA, MLA, and analogous state laws.
• Support clients in the development and review of financial products, programs, disclosures, policies, and procedures.
• Advise on corporate structuring, business expansion initiatives, and regulatory considerations associated with new products and technologies.
• Conduct multi-state legal research and prepare memoranda, client alerts, and other substantive work product.

Skills

Legal research

Analytical thinking

Drafting

Communication

Attention to detail

Regulatory knowledge

Job description

Womble Bond Dickinson (US) LLP seeks an Associate to join the Consumer Financial Services Regulatory Compliance Practice Group in Albany, Washington, DC, or Cleveland.

The Consumer Financial Services Regulatory Compliance team advises depository institutions, mortgage lenders, auto finance companies, specialty lenders, Fintechs, payment processors, service providers, and other consumer finance market participants on a broad range of state and federal regulatory compliance matters. This role offers the opportunity to work closely with clients navigating complex regulatory frameworks, launching innovative financial products, and managing regulatory risk in rapidly evolving industries.

Key Responsibilities:

• Advise a broad range of financial services providers on state and federal regulatory compliance requirements.
• Counsel clients regarding origination and underwriting, licensing, documentation, servicing, privacy, collection and asset recovery, and related regulatory matters.
• Assist clients in preparing for and responding to state and federal examinations, investigations, regulatory inquiries, and enforcement actions.
• Analyze and advise on compliance with state and federal consumer financial laws, including:
• Truth in Lending Act (TILA)
• Fair Debt Collection Practices Act (FDCPA)
• Fair Credit Reporting Act (FCRA)
• Real Estate Settlement Procedures Act (RESPA)
• Servicemembers Civil Relief Act (SCRA)
• Military Lending Act (MLA)
• Analogous state consumer protection laws
• Support clients in the development and review of financial products, programs, disclosures, policies, and procedures.
• Advise on corporate structuring, business expansion initiatives, and regulatory considerations associated with new products and technologies.
• Conduct multi-state legal research and prepare memoranda, client alerts, and other substantive work product.

Qualifications:

• 2-5 years of experience in financial services compliance or a related practice area.
• Familiarity with state and federal consumer financial services laws and related regulatory frameworks governing origination, servicing, collection and asset recovery, and licensing.
• Experience advising financial institutions, Fintech companies, specialty lenders, or other regulated financial services providers is preferred.
• Excellent legal research, analytical, drafting, and communication skills.
• Strong attention to detail and the ability to manage multiple matters in a fast-paced environment.
• Admission to practice in the jurisdiction where the candidate will reside and work, or eligibility to become admitted promptly upon hire.

Compensation/Other:

• Womble Bond Dickinson offers competitive compensation and in addition, we offer a range of benefits including medical, dental, vision, life insurance, 401(k), and Paid Time Off "PTO"/Vacation. A discretionary bonus may be available based on performance.
• The national average salary range for this role is $220,000-$325,000. Starting salary will be determined based on location, qualifications, and experience.

An Equal Opportunity/Affirmative Action/Pro Disabled and Veteran Employer.