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At FNBO, our employees are the heart of our story-and we're committed to their success! Please see below the details of this career opportunity and how it fits into our organization's success.
Provide general legal advice to employees and management representatives across credit and consumer lending business units regarding regulatory matters. Supports point of sale financing, home improvement lending, and unsecured consumer lending (including debt consolidation) verticals, as well as credit risk, fair lending, collections, and customer-facing operations teams. Applies knowledge of consumer protection regulations, payment systems, and credit risk management to support business objectives while ensuring regulatory compliance. May be called upon to participate in special projects and complete assignments as requested.
About This Role:
Key Accountabilities:
Regulatory Legal Advice & Counsel
- Provide legal advice and counsel to business units on regulatory compliance matters affecting consumer lending products and operations
- Analyze regulatory issues across the lending lifecycle - from origination through collections - and develop recommendations to mitigate legal risk for the enterprise
- Monitor regulatory developments and interpret their impact on enterprise operations
- Advise business units in order to comply with applicable federal and state regulations
Customer-Facing Agreement Development and Maintenance
- Draft and revise customer-facing agreements, disclosures, terms and conditions, and related documentation
- Maintain current versions of lending agreements to ensure ongoing regulatory compliance
- Analyze customer agreement provisions to ensure alignment with legal requirements and business objectives
- Provide guidance on customer documentation requirements across lending products
Regulatory Response and Support
- Assist with preparation and response to regulatory inquiries and examinations
- Coordinate responses to legal and compliance matters, including consumer complaints
- Support implementation of remedial measures as needed
Training and Consultation
- Provide training and guidance to business units on legal and regulatory matters affecting closed end lending, operations, customer service, and collections activities
- Serve as a resource for compliance questions and issues
- Foster a culture of compliance through education and consultation
Individual Accountabilities
- Support and uphold the First National Operating Philosophy
- Uphold the First National Code of Business Conduct and ensure that confidential information is safeguarded
- Maintain a high level of cooperation and rapport with co-workers and business partners in order to ensure accurate and efficient operations and service
- Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the organization's overall operation
- Foster and promote the proper company image at all times
The Ideal Candidate for This Role: Knowledge, Skills and Abilities
- JD required with at least 3 years of legal experience
- Knowledge of NACHA Operating Rules and consumer lending, including Regulation B, Regulation V, Regulation Z, SCRA
- Understanding of credit risk management principles and unsecured consumer lending operations, including debt consolidation products
- Familiarity with point of sale financing and home improvement lending regulatory frameworks
- Understanding of collections regulations and customer service compliance requirements
- Knowledge of fair lending principles and consumer protection laws
- Ability to think creatively and strategically while developing practical, tactical solutions
- Demonstrate a consultative approach with the ability to analyze stakeholders' needs
- Excellent oral and written communication skills with ability to translate complex legal concepts for business audiences
- Strong interpersonal skills, including the ability to build collaborative relationships, listen and actively contribute to discussions
- Display a positive business presence with business units and external contacts
- Demonstrate sound judgment and apply logical and critical thought processes when developing and recommending solutions
- Ability to manage multiple priorities and work effectively in a fast paced environment
Candidates must possess unrestricted work authorization and not require future sponsorship.
Compensation:
Compensation range (base pay): $89,828.00-$148,215.00
This role may have a specific starting pay within this range. Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level. Work Environment:
It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.
Benefits Overview: We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:
Medical, Dental, Vision Insurance 401k, With Matching Contributions Time Off Programs Health Savings Account (HSA)/Dependent Care Employee Banking Growth Opportunities Tuition Assistance Short-Term/Long-Term Disability Insurance
Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/. For additional information regarding compensation and benefits, e-mail FNBO at TAGAdmin@fnni.com. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message. Job number: R-20260255
Equal Opportunity & Belonging: FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves-no matter their role or where they are in their journey. Learn more here. FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity. Click here to download 'EEO is The Law' Self-Print Poster Click here to download 'EEO is The Law' Supplement for Federal Contractors Click here to download 'EEO is The Law' GINA Supplement FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants) Application Deadline: All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.
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First National Bank of Omaha
vision insurance, tuition assistance, 401(k)
Feb 20, 2026