Credit Karma is looking for a Regulatory Counsel to join our Legal team.  As Regulatory Counsel, you will play a pivotal role in our mission by enabling Credit Karma to drive new initiatives while navigating an evolving regulatory landscape.  This includes staying on top of developments, proactively assessing risk, and providing practical guidance to stakeholders.  You will report to Managing Regulatory Counsel and work closely with other members of the Legal and Compliance team and leaders across the organization to influence strategy, enhance compliance systems, and help the company scale.  You will bring a combination of consumer finance or insurance expertise, an ability to analyze and clearly communicate complex issues, and a passion for Credit Karma’s mission.  A self-directed and highly collaborative attorney who excels in a dynamic, innovative environment will thrive in this role.

What you’ll do:

• Assess the business impact of new and evolving regulatory and compliance requirements, both state and federal, and provide actionable, business-savvy guidance
• Advise our business, legal, and compliance teams on insurance laws and regulations
• Partner with our consumer finance licensing team to analyze license requirements, implement compliance initiatives, and respond to examinations
• Respond to external inquiries, including third-party diligence, member or press questions, consumer litigation, and regulatory or law enforcement requests
• Proactively raise and address risks related to strategic initiatives and partnerships
• Design and manage cross-functional regulatory compliance efforts with a focus in the areas of consumer protection, consumer finance, and insurance
• Educate stakeholders in a simple, easy to understand way about regulatory updates and issues and innovate on ways to foster a culture of compliance and learning
• Make assertive recommendations on when and how to take smart risks to achieve the business’s goals
• Manage a high volume of work while being able to maintain perspective and prioritize the work according to company goals

What we are looking for:

• 4+ years of experience in consumer finance or insurance law, with subject matter expertise in at least some of the following areas: insurance regulation, FCRA, ECOA, GLBA, EFTA, UDAAP, mortgage lending, personal lending, fintech banking, and state licensing
• Experience advising fintechs/insuretechs or other financial services or insurance clients as an attorney on regulatory, compliance, or litigation matters (in house or at a law firm or consultancy)
• Comfort with thinking creatively and making smart, assertive recommendations in areas of ambiguity
• A demonstrated ability to thrive in a fast-paced, innovative environment, and to take general guidance and run with it
• J.D. from an ABA-accredited law school with excellent academic credentials. Must be an active, licensed attorney in good standing of the bar in at least one state jurisdiction

What we would like to see:

• Experience designing and implementing thoughtful, scalable processes
• Experience drafting compliance policies and procedures
• Ability to synthesize and report on qualitative and quantitative data clearly, succinctly and confidently in verbal and written communications
• General litigation experience
• Experience with data governance or AI / machine learning

Benefits at Credit Karma includes:

• Medical and Dental Coverage
• Retirement Plan
• Commuter Benefits
• Wellness perks
• Paid Time Off (Vacation, Sick, Baby Bonding, Cultural Observance, & More)
• Education Perks
• Paid Gift Week in December

Pay Transparency Notice: Credit Karma’s mission of championing financial progress for all starts from within. That’s why we implemented role-based compensation, which ensures people who are in the same role receive the same pay with variations for geographic location only. It’s all part of a more comprehensive DEI strategy that helps level the playing field. The base salary for this role is $193,200, plus equity and benefits.