Associate General Counsel (Consumer)

ABOUT HAPPY MONEY 

Happy Money is a financial technology company that offers a people-first lending experience in partnership with credit unions and other community-focused financial institutions. Our vision of transforming the lending industry comes to life through our connected platform of financial partners who help offer a happier digital lending experience that meets the needs of today’s customers. Through automation and proprietary underwriting models, we offer flexible rates and payment plans that work best for borrowers’ unique financial situations. And we are expanding the reach of our core product, The Payoff Loan™ for credit card debt reduction, to even more consumers via embedded financial services. 

Backed by leading investors, Happy Money has helped over 310,000 borrowers since its inception – working with lending partners to fund more than $5.7 billion in loans*. As a fully distributed company, Happy Money has a passionate and purpose-driven employee base of over 300 people across the United States. For more information, please visit happymoney.com.

Happy Money is seeking an exceptional, motivated attorney to join our legal team to focus on consumer and borrower aspects of the business. In this role, you will work closely with the Company’s General Counsel to navigate a wide range of issues, including marketing, compliance, litigation, product development, and privacy.  The lawyer in this role will have an exciting opportunity to build and develop Happy Money’s business.

• Actively collaborate with teams across the company, including product, strategy, compliance, financial partnerships, people and culture, and marketing
• Drafting and updating terms of service, privacy policies, and other consumer-facing documents.
• Review all marketing materials including social media, direct mail, and email.  
• Counsel on all aspects of consumer litigation and complaints across a range of regulatory issues including FCRA and FDCPA among others.
• Advise compliance team on regulatory issues, audits, and state licensing requirements.
• Strategize about regulatory developments to help us stay ahead of the game

• JD from an accredited U.S. law school
• 5+ years of experience handling a combination of product counseling, consumer litigation, regulatory compliance, and privacy. 
• Currently eligible to practice in a U.S. state bar (or D.C.)
• Expert in federal and state consumer protection and regulations: FCRA, ECOA, FDCPA, GLBA, etc. 
• Ability to identify, analyze, and propose creative solutions to legal and business issues in a hands-on manner
• Excellent interpersonal, written, and verbal skills
• Strong work ethic and careful attention to detail
• Excel at understanding complex legal topics and explaining them to non-attorneys in clear and concise terms
• Experience with financial technology, including NACHA.
• Experience negotiating and drafting commercial contracts 
• Experience handling general corporate matters

• Medical, dental, and vision insurance options covered at 100% for you & family
• 401k Plan with a matching contribution
• Generous PTO
• Monthly Health and Wellness Days
• 12 Weeks Paid Family Leave
• Company-paid short & long term disability and life insurance
• Happy Home Allowance to contribute to your home office workspace 
• Happy Money is a 100% fully distributed workforce

Happy Money is committed to a diverse and inclusive workplace. Happy Money is an equal opportunity employer and does not discriminate based on race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. For individuals with disabilities who would like to request an accommodation, please email peopleops@happymoney.com.