Summary/Objective

The Staff Attorney will support Legal Department and business needs for a growing automotive finance company with a national footprint. This position will expose the candidate to many aspects of the consumer finance and commercial lending industries, including regulatory compliance and business transactions, with opportunities for advancement in these and other areas.

Essential Functions

Below are examples of potential responsibilities for the Staff Attorney position:

• Support and maintain ACA’s Business Licensing Platform
  • Prepare and review business license filings with Analyst support
  • Ensure timely processing and receipt of business license renewals
  • Research and apply for new business licenses, depending on business need
• Provide legal support and guidance for escalated consumer complaints
  • Review, analyze, and draft responses to escalated consumer complaints
  • Communicate with management and external parties regarding complaints
  • Incorporate management feedback into draft responses and respond to follow up requests
• Support ACA’s Regulatory Examination Process
  • Review, analyze, and prepare responses to exam information requests
  • Partner with business and data teams to produce thorough and accurate responsive materials
  • Interact with regulators and provide guidance to business relating to examination findings
• Participate in industry activities
  • Attend industry trade association meetings, webinars, and conferences
  • Establish and maintain a network of industry contacts
  • Research and analyze legal developments to determine applicability and impact to ACA’s business operations
• Support ACA’s Compliance Management System
  • Facilitate meetings with business leaders regarding regulatory compliance matters
  • Provide legal review and guidance relating to policies, procedures, training content, compliance monitoring, and template forms and communications
• Research federal and state laws to ensure regulatory compliance, including:
  • Truth-in-Lending Act
  • Equal Credit Opportunity Act
  • Fair Credit Reporting Act
  • Fair Debt Collection Practices Act (and state debt collection laws)
  • Federal and state laws restricting unfair or deceptive acts or practices
  • Telephone Consumer Protection Act
  • State retail installment sales acts
  • State uniform commercial codes
  • State certificate of title acts
  • Bankruptcy and creditor’s rights laws
• Develop and maintain 50-state legal surveys on various topics with Analyst support
• Other tasks as assigned

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Qualifications

• Candidate must have excellent attention to detail and analytical skills, a strong sense of organization, and an ability to communicate clearly with internal and external parties
• Must be a team player and able to work both independently and as part of a group
• Computer skills should include Microsoft Office, Windows, and the internet
• Bachelor’s and Juris Doctor degrees required, successful completion of bar examination and active law license in at least one jurisdiction required
• 0-3 years of experience as an attorney

Supervisory Responsibility

This position may have supervisory responsibilities.

Work Environment and Physical Demands

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Position Type/Expected Hours of Work

This is a full-time position with a work schedule of Monday-Friday with some schedule variations as needed.

Travel

This position may require up to 10% travel.

EEO Statement

ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws.  ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.