Note: The job is a remote job and is open to candidates in USA. Mission Lane is a purpose-driven fintech company, and they are seeking an Associate General Counsel to provide legal and strategic guidance across collections, servicing, and customer operations. This role involves owning day-to-day legal advice, negotiating contracts, and partnering with various departments to ensure compliance and improve customer experiences.
Responsibilities
- Owning day-to-day legal advice on collections, recoveries, and servicing
- Negotiating and closing contracts with debt sale counterparties, vendors, and technology providers
- Tracking legal and regulatory developments as they land, including the fast-moving rules around AI in back-office and customer-facing tools, and helping the business turn them into compliant products, services, and controls
- Partnering directly with the business on new initiatives that improve the servicing and collections experience, and with Compliance and Risk to sharpen consumer communications and internal processes alike
- Spotting where the business is headed before it gets there, flagging issues and opportunities early
Skills
- JD from an accredited law school and an active law license in good standing (a member of at least one bar, and in good standing in every bar where you're admitted)
- 7+ years practicing law at a large law firm or in a fintech/neobank/bank in-house environment, with real depth in federal and state credit card or personal lending law
- Deep understanding of the regulatory landscape governing credit card servicing, collections, and recoveries: FDCPA and state debt collection law, SCRA, Regulation Z, Regulation B, and UDAAP
- Expertise in the adjacent frameworks that come with running a credit card program: debt sales regulation, true lender doctrine, bankruptcy law, FCRA, MLA, TCPA, network rules, and AML/BSA and fraud requirements
- A track record of prioritizing and delivering across multiple, shifting projects at once, with the communication skills to brief anyone from frontline teams to senior leadership
- Strong, independent analytical judgment you trust enough to make calls in a fast-moving, still-forming environment
- Able to work fully remote, with travel of roughly once a quarter for 2 to 5 days
- A high standard of ethics and integrity, matched by genuine strategic instinct
- In-house experience at a national bank, or outside counsel experience advising one
- Collections and recovery-specific experience within your credit card or lending concentration
- Deep regulatory expertise in an adjacent specialty, AML/BSA, fraud, or vendor and technology contracts, that could grow the role beyond servicing and collections over time
Benefits
- Participation in our annual incentive and equity programs
- Paid time off
- 401(k) match
- A monthly wellness stipend
- Health/ dental/ vision insurance options
- Disability coverage
- Paid parental leave
- Flexible spending account (for childcare and healthcare)
- Life insurance
- A remote-first work environment
Company Overview