Sr Corporate Counsel - Consumer Lending

Tally; San Francisco (CA); On-site; USD 137,000 - 220,000; Full time

Job summary

Happen Bank is seeking a Senior Corporate Counsel to provide high‑quality legal analysis and strategic guidance across our consumer finance products. The role demands strong communication, judgment, and the ability to partner with business teams on product development and regulatory compliance.

Responsibilities include advising on laws such as TILA/Reg Z, ECOA/Reg B, and FDCPA, monitoring regulatory developments, and collaborating with Compliance to manage risk and consumer issues.

Qualifications

• J.D. from an accredited law school and licensed in good standing in one or more states.
• 3–5 years of combined law firm, government and/or in-house experience, with 1–2 years in consumer finance.
• Experience advising on TILA/Reg Z, ECOA/Reg B, FCRA/Reg V, BSA/AML, EFTA/Reg E, TCPA/TSR, FDCPA, UDAAP and GLBA/Reg P.
• Ability to adapt to a fast-changing business environment and consider AI tools in the legal space.
• Comfort in hands-on execution of legal advice with business partners.

Responsibilities

• Deliver strategic and tactical legal support for activities in the consumer finance space.
• Advise on development of new products/services and changes to existing ones.
• Monitor federal, state, and local regulatory developments affecting lending and servicing.
• Partner with Compliance for risk support and handling consumer complaints.
• Collaborate to improve processes ensuring consistent interpretation of legal requirements.
• Drive other matters in support of the bank’s strategic objectives.
• Assist the Legal Department with assignments as delegated.

Skills

Legal analysis

Regulatory compliance

Communication skills

Interpersonal skills

Strategic advising

Education

J.D. from an accredited law school

Job description

Current Employees of Happen Bank: Please apply via your internal Workday Account

Happen Bank (formerly LendingClub) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile‑first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.

About the Role

We are looking for a Sr Corporate Counsel to join the team! 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 primarily related to our unsecured lending products, auto loan refinance, and point‑of‑sale financing 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 and changes to existing ones, advising on consumer finance and other laws and regulations applicable to our business, issues management, and review of marketing and UX materials
• You will assist in monitoring and analyzing federal, state, and local regulatory developments concerning lending, servicing, and other activities that may impact our bank and engage with our business partners to ensure understanding of the same and operational readiness
• You will partner with our Compliance team 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 testing
• 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 the bank
• You will drive and support other matters in support of the bank’s strategic objectives
• You will assist the Legal Department in support of any other assignments that may be delegated to you

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 the bank has offices)
• You must have at least 3-5 years of combined law firm, government and/or in‑house legal department experience, and at least 1-2 years of experience in consumer finance law and regulations with a preference for at least part of this time in‑house at a bank, credit union or 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 have an eagerness to learn new things and lean into new technology, including Artificial Intelligence tools in the legal space
• 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
• You have a high level of integrity and are able to have candid conversations with business leaders in support of your position if needed

Work Location

San Francisco, Lehi, or New York. The above locations are eligible offices for this role. The locations have been determined to foster in‑person collaboration with this role’s team or the related business lines. We utilize a hybrid work model, and our teams are in‑office Tuesdays, Wednesdays, and Thursdays. In‑person attendance is essential for this role’s success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level.

Time Zone Requirements

Local hours (PT, 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 137,000‑220,000. 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.

Equal Opportunity Employer

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.

Reasonable Accommodation

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].

AI Tool Disclosure

For select roles and locations, candidate interviews may be recorded, transcribed and summarized by tools such as artificial intelligence (AI) to assist our hiring managers with the application process. You will have the opportunity to opt out of recording, transcription, and summarization prior to any scheduled interviews. We will not discriminate against you if you choose to opt out.

Data Collection Disclosure

During the interview, we will collect the following categories of personal information from or about you: contact information, identifiers, professional and employment‑related information, sensory information (audio/video recording), and any other categories of personal information you choose to share with us. We will use this information to evaluate your application for employment. We will only share your interview, transcription, or summary with persons whose expertise or technology is necessary to process your application, evaluate your fitness for a position, and administer or support the tool. We will not sell your personal information or disclose it to any third party for their marketing purposes. For more information about how we will handle your personal information, please refer to our Privacy Disclosure. We will delete any recording of your interview promptly but in no event later than 30 days after making a hiring decision.