Director, Litigation and Regulatory

Overview

This publicly traded consumer finance organization (Nasdaq: SEZL) builds purchase-now-pay-later products for consumers who are underserved by traditional credit and is pursuing a de novo national bank charter. The organization handles a significant volume of regulatory and legal matters in-house.

This role is for a lawyer who will own litigation, pre-litigation disputes, regulatory interactions, and serve as the legal owner of the privacy and data protection framework.

Responsibilities

Litigation and disputes

• Manage consumer litigation, class actions, arbitrations, and commercial disputes from intake through resolution, including case strategy, discovery, and settlement posture.
• Direct outside counsel where used, including scope, budget, staffing, and strategy.
• Own litigation holds, ESI protocols, custodian identification, and the discovery process end to end.
• Manage the small-claims and arbitration pipeline and implement process improvements to prevent volume from becoming a drag.
• Identify patterns behind repeat disputes and partner with product, operations, and collections to address underlying causes.

Regulatory inquiries and investigations

• Manage civil investigative demands, examination requests, subpoenas, and informal inquiries from the CFPB, FTC, state attorneys general, and state financial regulators.
• Run productions, including scope negotiation, data collection, privilege review, and delivery, working with engineering, data, and compliance.
• Draft response letters, white papers, and advocacy submissions, and participate directly in regulator meetings.
• Track the enforcement and supervisory landscape across BNPL, UDAAP, credit reporting, debt collection, and consumer disclosure, and translate it into concrete guidance for the business.
• Support supervisory readiness as the organization builds toward bank charter approval and subsequent examination posture.

Privacy and data protection

• Serve as legal owner of the privacy framework, including policies, notices, records of processing, data mapping, and retention.
• Advise on state comprehensive privacy laws, GLBA, FCRA, CAN-SPAM, TCPA, and pixel and session-replay wiretap theories that continue to generate demand letters and class actions.
• Review vendor and partner data flows, negotiate data protection terms, and handle escalated consumer privacy rights requests.
• Partner with the Chief Compliance and Privacy Officer on incident response and the operational privacy program.

AI and scaling the function

• Use AI to multiply throughput across research, document review, discovery, production, drafting, and regulatory tracking.
• Build durable tooling (skills, workflows, templates, and automations) that outlives individual matters.
• Champion responsible AI adoption across the organization, helping business teams use these tools effectively and establishing guardrails.
• Advise on AI governance as a legal matter, including model use, vendor diligence, data handling, disclosure, and the emerging regulatory picture.

Advisory and cross-functional

• Counsel product, marketing, engineering, and collections on live questions with practical answers.
• Build playbooks, templates, and internal training to scale the function without adding headcount.

Requirements

• Bachelor’s degree from an accredited law school and active bar membership in good standing in at least one US jurisdiction.
• Ability to satisfy in-house counsel registration requirements in your home state where they apply.
• 5 to 7 years of combined law firm and in-house experience.
• Substantive consumer financial services experience, including working knowledge of Reg Z, Reg B, FCRA, FDCPA, TCPA, and UDAAP.
• Demonstrated ownership of litigation matters and regulatory inquiries, including at least some experience running them without a partner above you.
• Clear, direct writing and ability to lead with answers.
• Fluent and enthusiastic use of AI as a core part of practicing law.
• Demonstrated experience working with Claude or equivalent large language model tools, and comfort leveraging AI to enhance productivity, research, and communication.

Preferred Qualifications

• BNPL, fintech, consumer lending, or bank or bank charter experience.
• Experience with a de novo charter application, bank supervisory examinations, or a bank partnership model.
• Privacy credential (CIPP/US) or substantial privacy practice.

Compensation & Benefits

• Unlimited PTO, volunteer hours and sabbatical
• Life, STD/LTD, medical, dental and vision insurance
• Highly discounted LifeTime gym membership
• 401k with match of 6%

Location

• Fully remote within the United States.
• Team operates on Central time; meaningful overlap with that schedule is expected.
• Occasional travel is required for team meetings, regulator meetings, mediations, hearings, and depositions.