Counsel

In-House Counsel, Transaction / Compliance – San Diego, CA or Atlanta, GA Full-time, Exempt Hybrid: 3 days/week in office, 2 days/week remote, Full time M-F Exempt/Salary: $165,000-$210,000 (includes bonus, 401(k) match, health & welfare benefits, culture, growth opportunity, etc.) FairSquare has an exciting opportunity for an experienced commercial transaction attorney with some lending regulatory/compliance experience to grow with a 25‑year‑old privately owned leading online respected national commercial small business lending company that has funded over $6 billion of transactions with over 100 000 businesses. The company has 5 offices, with the main offices in San Diego (La Jolla area), California and Atlanta (Cumberland/Galleria Area), Georgia. The position would report to the Chief Legal Officer. The attorney will guide business units in commercial transactions and provide support to the company's regulatory/compliance team in addressing applicable federal and state regulatory requirements and administration of the company's Compliance Management System. Commercial Transactions Draft, review, and negotiate commercial agreements in the area of small business commercial financing and lending, referral partners, brokers, marketing, and IT software contracting. Advise business teams and their leaders on negotiating, risk analysis, transaction structuring, and lead closing of commercial business undertakings. Draft and negotiate commercial deal transactions and contracts with outside vendors, brokers, referral partners, and IT software providers. Manage existing vendor management system and oversee onboarding, annual auditing, risk assessments, and potential regulatory exposure aspects. Update, maintain, and annually review contract templates and playbooks. Manage contract lifecycle, including approvals, renewals, and termination. Handle dispute resolution related to commercial agreements. Preferred to have experience in commercial business loans, merchant cash advance, line of credit, and/or credit card products. Capital markets / credit facility experience is a plus. Bank partnership program experience is a plus. Ability to use AI to assist/accelerate work a plus. Regulatory/Compliance Affairs Help with the compliance management system and business unit compliance with federal, state, agency, legal, policy, operational, and regulatory requirements. Assist in assessing, developing and implementing internal controls to identify and put in place controls to address potential areas of risk within the company. Provide compliance guidance to business departments. Help prepare compliance reports, quarterly and annual meeting materials and periodic updates to state regulators. Support regulatory change management. Support issue management, including resolution of any corrective action as necessary. Participate in the review and update of compliance policies and procedures. Facilitate testing of policies and procedures. Support the Compliance Training Program for all employees. Support regulatory examinations, audit, and third‑party diligence requests. Qualifications JD (Juris Doctor) degree. Minimum of 6 years of experience at a law firm, government regulatory agency, and/or in‑house counsel setting. Must possess strong legal drafting, negotiating, and advising skills. Compliance or regulatory skills a plus. Working knowledge a plus in BSA/AML, CAN‑SPAM, CCPA, CIP, ECOA, EFTA, FCRA, ID Theft/Red Flags, OFAC, TCPA, or UDAAP. Strong analytical skills and detail oriented. Ability to analyze a variety of legal issues, synthesize complex information and assess legal risks. Excellent verbal and written communication skills are required. Demonstrated ability to self-start and work independently, and the desire and ability to work with a highly motivated team in a fast‑paced environment. Physical Demands Working in a temperature controlled office environment. Sitting at a desk for long periods of time while viewing multiple computer screen monitors. Potential lifting of boxes around 25 lbs. Minimum of 3 days a week in either the San Diego or Atlanta office. FairSquare is an Equal Opportunity Employer. #J-18808-Ljbffr