Regulatory Compliance Counsel

Sunbit • Los Angeles, CA

2d • Hybrid

About The Position

Sunbit is seeking a Regulatory Compliance Counsel to drive legal strategy across the full lifecycle of its consumer financial services, encompassing licensing, servicing, collections, and dispute resolution. This hybrid role, based in Los Angeles, requires four days in the office per week. The successful candidate will be responsible for the regulatory framework that supports product expansion, ensures compliance across various jurisdictions, and anticipates changes in federal and state regulations. The ideal candidate should be meticulous, disciplined, and execution-focused, blending legal expertise with operational efficiency to achieve timely and compliant outcomes in a fast-paced regulatory environment.

Requirements

• 5+ years of experience advising in consumer financial services or in another highly regulated industry.
• A JD from an ABA-accredited law school and admitted to the State Bar of California in good standing.
• Experience managing consumer financial services litigation, including FCRA, TCPA, and FDCPA claims.
• Demonstrated ability to distill complex legal issues into concise, actionable guidance for business partners.
• Proactive approach to identifying issues, developing solutions, and driving matters to resolution.
• Excellent project management skills, including the ability to manage multiple time-sensitive projects, deadlines, and competing priorities.
• Strong interpersonal skills to build productive relationships with regulators, internal stakeholders, and opposing counsel.
• Meticulous attention to detail and accuracy in work product.

Nice To Haves

• Familiarity with bank partnership or sponsor bank lending models and related regulatory guidance is strongly preferred.

Responsibilities

• Serve as the lead legal point of contact for regulatory inquiries, examinations, and investigations from state agencies, the CFPB, and State Attorneys General, owning the response strategy from intake through resolution.
• Drive Sunbit's nationwide licensing program to fuel product expansion, maintain compliance across jurisdictions, and orchestrate cross-functional responses to new and evolving licensing needs.
• Stay ahead of the evolving regulatory landscape by monitoring federal and state legislative developments and assessing impact on Sunbit's product and operations.
• Partner with Legal & Compliance, Operations, and Product to implement practical, risk-based guidance that enables innovation and growth.
• Own and manage the company's consumer litigation portfolio, including claims related to servicing practices, collections, credit reporting and furnishing disputes, and TCPA matters.
• Develop and execute litigation strategy, manage outside counsel relationships, and drive cost-effective resolution of matters.
• Proactively analyze disputes and litigation trends to identify systemic issues, partnering with compliance and operations teams to implement durable, preventative solutions.
• Partner with the Customer team to review and refine consumer-facing communications and campaigns in order to align messaging with regulatory requirements and company values.
• Counsel on policies, procedures, scripts, and escalations to ensure alignment with FDCPA, Reg. F, TCPA, UDAAP, SCRA, FCRA, and applicable state laws.
• Lead complaint response strategy across CFPB, state regulators, and direct consumer channels, translating complaint trends into durable operational fixes that reduce future exposure.

Benefits

• Competitive pay and stock options
• Unlimited PTO
• Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Maternity Leave
• HSA
• Pet Insurance
• 401K Plan with Matching
• Cell Phone Stipend
• Casual Dress

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Ph.D. or professional degree