In House Counsel

Description

Job Location:

Remote (U.S.-based) Hybrid strongly preferred in either Bakersfield, CA or Southlake, TX

Are you EPIC?

Do you have the ability to demonstrate, understand and apply HFD’s core purpose and

Values In All That You Do? At HFD Our Core Purpose Is To Help The Underserved Live Healthier. In Order To Accomplish This Mission, We Must Ensure That Our Team Is Aligned With Our E.P.I.C. Values

• Excellence: Always exceeding expectations!
• Passionate: Executing with boldness!
• Innovative: Pioneering a better way!
• Collaborative: Together we win!
  
  

The EPIC HFD In-House Counsel We Are Looking For

We’re seeking an experienced In-House Counsel to join the EPIC HFD team and lead our legal and compliance strategy in the fast-evolving fintech sector. This critical leadership role will support HFD’s ongoing mission to provide innovative consumer financial products, including RICs (Retail Installment Contracts), bank-originated loans, and related servicing solutions while ensuring we maintain full compliance with state and federal laws and regulatory frameworks.

As HFD In-House Counsel, You Will

• Serve as the company’s lead legal advisor on all matters related to compliance, regulatory affairs, consumer lending, and financial services operations.
• Advise on legal risks and obligations related to Retail Installment Contracts (RICs), bank partnership programs, lending agreements, and portfolio servicing.
• Ensure organizational compliance with CFPB, FDIC, FTC, state financial regulatory bodies, and other relevant regulatory entities.
• Draft, review, and negotiate a wide range of contracts, including loan purchase agreements, servicing agreements, partner/vendor contracts, employment agreements, and more.
• Lead the development and maintenance of internal compliance policies and training programs to reflect evolving legal requirements in the fintech space.
• Conduct internal investigations, respond to regulatory inquiries or audits, and recommend necessary corrective actions.
• Monitor new legislation, regulations, and industry trends impacting fintech, consumer credit, bank loans, and compliance requirements.
• Collaborate with executives, product teams, operations, HR, and IT to ensure legal and regulatory compliance is built into business processes and strategies.
• Manage and optimize relationships with outside counsel, controlling costs and ensuring appropriate escalation.
• Lead, build, and manage internal legal resources as needed.
  
  

Requirements

• Juris Doctor (JD) degree from an accredited law school.
• Active membership in the California Bar.
• 5 years of legal experience in a relevant in-house or law firm environment, preferably in fintech, consumer lending, or financial services.
• Direct experience with CFPB, banking regulations, consumer protection laws, data privacy, and financial compliance best practices.
• Proven ability to manage legal and regulatory risk in a fast-paced, high-growth environment.
• Strong drafting, negotiation, and problem-solving skills with a business-oriented mindset.
• Ability to balance legal risk with operational efficiency.
• Exceptional communication and interpersonal skills across all levels of the organization.
  
  

Benefits

• Medical, Dental, Vision Insurance
• 401k with 4% company match.
• Time off: Unlimited PTO , 6 days of paid sick time, plus 6 paid holidays.
• EPIC company culture