Oportun Director, Regulatory Counsel at Oportun providing legal leadership for multi-state licensing and regulatory examination programs. Responsible for regulatory tracking, reporting, and advising on Set & Save product compliance.
Responsibilities
This role provides dedicated legal leadership for Oportun’s multi-state licensing and regulatory examination program, regulatory tracking and reporting and serves as regulatory counsel for the Set & Save product. Success in year one means establishing strong ownership of licensing, reporting, exams and regulator relationships, while providing practical legal guidance that helps the business operate and grow Set & Save within an evolving regulatory landscape.
At Oportun, we move fast and we hold each other to a high bar. If you care about doing your best work while actually moving the needle for real people, you'll fit right in.
You'll own Oportun’s multi-state licensing program, researching and determining licensing requirements across Oportun’s direct-lending and fintech bank partnership models, and leading applications, renewals, maintenance and related regulatory reporting.
You'll lead the licensing and regulatory examination process, including coordinating responses, gathering information from business partners, tracking obligations and issues to resolution, and working directly with state regulators as appropriate.
You'll monitor legal and regulatory developments affecting both areas of responsibility—including state licensing requirements and true-lender laws—and advise senior leaders, Legal and Compliance partners, and business stakeholders on risk, implications and needed action.
You'll review and advise on policies, procedures, marketing and operational practices; support regulatory change implementation; and identify opportunities to strengthen processes and reduce regulatory risk.
You'll provide leadership reporting on licensing, examinations and regulatory reporting, manage priorities across a complex portfolio, and directly manage and develop one paralegal supporting these activities.
You'll advise Set & Save product and business owners on the application of federal and state laws and regulations, including requirements related to subscription services, privacy, UDAAP, TCPA and product marketing.
What's in it for you
Oportun offers a competitive compensation and benefits package designed to support your physical, financial, and professional well-being. Benefits vary by country of employment.
Some of the benefits available to eligible employees include:
Medical, Dental & Vision Insurance
Qualification
The right fit looks like thisYou bring sound judgmentYou communicate clearlySkills & experienceSkilled in using AI tools (ChatGPTJuris Doctor (JSpanish fluencyWe build with AIAI isn't a feature here
Required
The right fit looks like this
You're a pragmatic regulatory lawyer who can move comfortably between detailed licensing requirements, complex regulatory questions and strategic business conversations.
You bring sound judgment, communicate clearly with senior leaders and regulators, and know how to turn changing legal requirements into practical action for the business.
You're comfortable navigating complexity and don't wait for perfect information to move forward.
You communicate clearly, give direct feedback, and expect the same in return.
Skills & experience
12+ years of legal experience in financial services, with substantial experience advising on consumer financial services regulatory matters.
Demonstrated experience independently managing multi-state licensing processes, including NMLS filings, license applications, renewals, maintenance, regulatory reporting and related requirements.
Experience with NMLS and state licensing requirements, strong knowledge of privacy and fintech regulatory issues, and the ability to interpret and apply federal and state consumer financial services laws.
Skilled in using AI tools (ChatGPT, Copilot, or similar) to improve your own productivity
Juris Doctor (J.D.) degree and admitted and in good standing to practice law in at least one U.S. jurisdiction.
Preferred
Experience working with bank partnership models, including fintech programs operated through bank partnerships.
Experience supporting or leading state regulatory examinations and interacting with state regulators.
Spanish fluency, written and verbal.
We build with AI. We lead with judgment.
AI isn't a feature here. It's how we work.
We're excited about what AI makes possible, and we're looking for people who share that curiosity. You don't need to be an expert. You need to be open to experimenting, willing to learn, and able to apply new tools in ways that actually move the needle.
