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Attorney - Consumer Vehicle Leasing

Charlotte, North Carolina

Job Description:

In-depth knowledge of, and experience in, consumer vehicle leasing including a solid understanding of the terms and conditions of consumer lease agreements.

                In-depth knowledge of, and experience in, title issues relative to leased vehicles, as well as titling trusts.

                In depth knowledge of state laws, rules, and regulations pertaining to the origination, servicing, and termination of consumer automobile leases including state licensing and applicable state and local tax laws.  Experience in interacting with state regulators regarding consumer vehicle leasing matters is a plus.

                In-depth knowledge of, and experience in, third party origination and servicing platforms.

                Ability to stay abreast of emerging and evolving consumer auto-related laws and regulations at the federal level including the Military Lending Act, USA PATRIOT Act, Truth-in-Lending Act, Fair Credit Reporting Act, Fair Debt Collections Practices Act, and Regulations B, M, V, and Z.

                Ability to stay abreast of emerging and evolving consumer auto-related laws at the state level including laws pertaining to “ancillary products” sold by dealerships including GAP and Credit Life.

                Ability to stay abreast of emerging and evolving “e-contracting” laws and Industry practices including ESIGN, UETA, and Articles 8 and 9 of the Uniform Commercial Code.

                Solid understanding of the regulatory and associated legal frameworks and governing bodies that impact upon the origination, servicing, and termination of consumer auto leases including the CFPB, OCC, Federal Reserve, etc.

                Proficiency with the review of consumer-related marketing materials including, but not limited to, the review of consumer-facing online and mobile web content, email marketing, and the related TILA, FTC, and other requirements related to consumer-purpose marketing, solicitations, etc.

                Proficiency with matters related to the day-to-day servicing of consumer-purpose automobile leases including issues related to lease terminations such as excess mileage, charges for excess wear and use, early termination, etc.

                Proficiency with matters related to the day-to-day collection of consumer-purpose automobile leases including state requirements for the repossession of automobiles, Bureau reporting of past-due and charged-off accounts, and OCC FFIEC requirements regarding, among other things, extensions and charged –off accounts.

                Proficiency with matters related to third party agreements and relationships including third party technology and other service providers, sub-servicers, etc.  Familiarity with OCC third party management and oversight expectations are a plus.

                Proficiency advising risk and compliance managers and other corporate support functions and attorneys in the above areas, and supporting them in the development of practical operational processes that control risk and ensure compliance.

                Proficiency analyzing, drafting and negotiating contractual terms and conditions with third parties such as vendors and corporate/institutional clients, consistent with corporate policies and standards.

Job Band:

H4

Shift: 

1st shift (United States of America)

Hours Per Week:

40

Weekly Schedule:

Referral Bonus Amount:

0

Job Description:

In-depth knowledge of, and experience in, consumer vehicle leasing including a solid understanding of the terms and conditions of consumer lease agreements.

                In-depth knowledge of, and experience in, title issues relative to leased vehicles, as well as titling trusts.

                In depth knowledge of state laws, rules, and regulations pertaining to the origination, servicing, and termination of consumer automobile leases including state licensing and applicable state and local tax laws.  Experience in interacting with state regulators regarding consumer vehicle leasing matters is a plus.

                In-depth knowledge of, and experience in, third party origination and servicing platforms.

                Ability to stay abreast of emerging and evolving consumer auto-related laws and regulations at the federal level including the Military Lending Act, USA PATRIOT Act, Truth-in-Lending Act, Fair Credit Reporting Act, Fair Debt Collections Practices Act, and Regulations B, M, V, and Z.

                Ability to stay abreast of emerging and evolving consumer auto-related laws at the state level including laws pertaining to “ancillary products” sold by dealerships including GAP and Credit Life.

                Ability to stay abreast of emerging and evolving “e-contracting” laws and Industry practices including ESIGN, UETA, and Articles 8 and 9 of the Uniform Commercial Code.

                Solid understanding of the regulatory and associated legal frameworks and governing bodies that impact upon the origination, servicing, and termination of consumer auto leases including the CFPB, OCC, Federal Reserve, etc.

                Proficiency with the review of consumer-related marketing materials including, but not limited to, the review of consumer-facing online and mobile web content, email marketing, and the related TILA, FTC, and other requirements related to consumer-purpose marketing, solicitations, etc.

                Proficiency with matters related to the day-to-day servicing of consumer-purpose automobile leases including issues related to lease terminations such as excess mileage, charges for excess wear and use, early termination, etc.

                Proficiency with matters related to the day-to-day collection of consumer-purpose automobile leases including state requirements for the repossession of automobiles, Bureau reporting of past-due and charged-off accounts, and OCC FFIEC requirements regarding, among other things, extensions and charged –off accounts.

                Proficiency with matters related to third party agreements and relationships including third party technology and other service providers, sub-servicers, etc.  Familiarity with OCC third party management and oversight expectations are a plus.

                Proficiency advising risk and compliance managers and other corporate support functions and attorneys in the above areas, and supporting them in the development of practical operational processes that control risk and ensure compliance.

                Proficiency analyzing, drafting and negotiating contractual terms and conditions with third parties such as vendors and corporate/institutional clients, consistent with corporate policies and standards.

Shift:

1st shift (United States of America)

Hours Per Week: 

40

Learn more about this role

Full time

JR-21074643

Band: H4

Manages People: No

Travel: No

Manager:

Talent Acquisition Contact:

Jeri Risin

Referral Bonus:

0

Street Address

Primary Location:
150 N COLLEGE ST, NC, Charlotte, 28255