Counsel, Consumer Finance

<p><strong>About Carvana<br></strong></p> <p>At Carvana, we’re changing the way people buy and sell cars. With an ambitious vision and a fundamentally different approach designed to be fun, fast, and fair, Carvana became the fastest-growing automotive retailer in history. We expanded nationally, went public on the New York Stock Exchange, sold our 1 millionth car, and reached the Fortune 500, all in just eight years. </p> <p>Today, with 4 million retail customers and counting, Carvana is both the fastest-growing and the most profitable public automotive retailer, and we’re just getting started. We continue to raise the bar for our customers as we tackle the enormous opportunity still ahead in the largest consumer vertical. </p> <p>Working here means being part of a team that embraces change, celebrates creative problem solving, and always strives to be better. At Carvana, you’ll have the opportunity to take on meaningful challenges, learn quickly, and help shape the future of automotive retail. If you’re driven to grow and make an impact as part of a collaborative team, you’ll fit right in. Learn more about what it’s like to work here from the <a href="https://www.youtube.com/watch?v=93pa9NmlrYcfeature=youtu.be">people that already do</a>.</p> <p><strong>This is a fully on-site position, Monday through Friday, at our corporate HQ in Tempe, Arizona.</strong></p> <p><strong>About the team and position<br></strong>Join Carvana’s Legal Department in the role of Counsel, Consumer Finance. Carvana is looking for an attorney to provide legal and regulatory support for Carvana’s automotive consumer finance, payments, and other consumer-facing financial services activities, including technology driven financial services and fintech business models. </p> <p>This role will report directly to the Senior Counsel, Consumer Finance, and will work closely with other members of the Legal and Compliance teams. The position is business-embedded and involves close collaboration with compliance, product, payments, operations, and other legal teams. Direct experience in automotive finance is helpful but not required. Backgrounds involving consumer finance, consumer protection, servicing, payments, or other high-volume consumer financial matters translate well to this role.</p> <p><strong>What you’ll be doing</strong></p> <ul> <li>Develop a mastery of Carvana business processes and systems. Provide counsel to Carvana stakeholders, in partnership with senior members of the Legal team, on requirements related to the sale of automobiles, consumer protection, consumer lending, payments, and servicing.</li> <li>Provide timely, concise and business-focused legal advice on consumer financial services, payments, and fintech laws and regulations ( e.g. TILA, UDAAP, FCRA, Regulations Z, E, and NACHA rules). </li> <li>Conduct comprehensive research and analysis, and synthesize that information into a clear interpretation of consumer finance state and federal laws and regulations.</li> <li>Advise on regulatory risk arising from consumer-facing operations, escalating novel or high-risk issues as appropriate, including issues that surface through consumer complaints, disputes, or government inquiries. </li> <li>Stay up to date on new and changing developments in applicable legal and regulatory requirements and lead the communication of relevant changes to the Compliance Team and Carvana legal and business stakeholders. </li> <li>Present guidance in a digestible format to all levels of business partners and stakeholders, including in response to operational questions in your practice area.</li> <li>Partner with other legal professionals to provide specialized, innovative, joint guidance involving new and existing Carvana consumer lending business ventures.</li> <li>Leverage AI-enabled tools to improve efficiency, issue spotting, pattern recognition across consumer issues, and consistency in legal analysis. </li> <li>Manage and execute on projects and other deliver ... (truncated, view full listing at source)