Associate Counsel

CardWorks Servicing ("CWS") is one of the largest privately-held provider of outsourcing services for bankcard-related products to banks and non-bank lenders in North America. CWS offers management expertise across the credit spectrum and supports both MasterCard and Visa accounts as well as a variety of private label debit, credit, stored value, and customer bankcards.

This Associate Counsel is r esponsible for a variety of legal matters involving CardWorks Inc. and its subsidiaries (“CardWorks”), principally focused on Merrick Bank (the “Bank”), while providing guidance and advice that helps drive business decisions. Based in Utah, this role will have frequent interaction with other colleagues in the Legal Organizational Area, as well as business leaders across CardWorks. The role will focus on problem solving, interpreting consumer credit laws and regulations, transactional work, contract interpretation and negotiation, with a particular eye to organizational compliance with Utah law. The qualified candidate will be sought out on general legal matters and expected to provide subject matter expertise .

Essential Functions

• Demonstrate solid knowledge of the State of Utah laws and regulations applicable to financial services and banking.
• Responsible for managing and/or supporting a variety of legal work, which could include regulatory compliance, consumer litigation, contracts, transactions and corporate matters.
• Interpret and advise on laws and regulations that impact consumer credit and collections to help ensure that CardWorks is in compliance with all applicable governing activities in Utah.
• Coordinate with the Bank’s department managers in the creation and adoption of appropriate policies and procedures to remain in compliance with Utah law.
• Ability to explain legal requirements to internal clients having a wide range of experience and skill.
• Support projects and initiatives from the legal perspective to identify and mitigate legal risk.
• Coordinate and communicate with all levels of the organization to create awareness of the progress in departmental and organizational activities.
• Supervise the activities of paralegal and support staff when needed.
• Assist with compiling information and materials to be presented at meetings of the board of directors.
  
  

Education And Experience

• Member of the Utah State Bar: licensed and in good standing to practice law in the State of Utah is required. Additional state bar admissions, such as New York, would be a plus.
• Seven to ten years’ experience in consumer credit (credit card preferred), payments or other financial services is preferred.
  
  

Summary Of Qualifications

• Familiarity with Utah laws and federal consumer credit and collections laws.
• Experience drafting, reviewing and amending contracts.
• Experience handling or assisting with general corporate or transactional matters.
• Experience handling or assisting with financial institution regulatory matters.
• Eager to take ownership of projects and take on additional responsibility.
• Eager to collaborate with others to get things done efficiently.
• Creativity in finding ways to accomplish business objectives in a compliant manner.
• Ability to strategically evaluate situations, troubleshoot cause and effect, and help implement change.
• Ability to apply unfamiliar facts in an efficient manner and advise clients under uncertain conditions.
• Execute all tasks timely with appropriate attention to detail and accuracy.
• Ability and willingness to earn respect from colleagues and staff through the establishment and maintenance of upward and downward relationships.
  
  

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location. Our benefits offerings include medical, dental, vision, life insurance, 401(k) plan with company match, paid vacation time, sick time, as well as other benefits and programs to meet the needs of our employees. Further details will be shared during the interview or offer process, as appropriate and applicable.

We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable law which includes (but may not be limited to) a review of factors including the applicant’s personal credit history, drug testing, and employment/personal references.

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