• Design and own the qualification criteria that determine which accounts with a defiance balance are eligible for legal escalation. • Monitor the legal escalation pipeline to confirm the right accounts are being worked and the criteria are being applied accurately. • Review and approve all settlement letter content before any mail is sent. • Review and approve the deficiency collection contact script and settlement authority structure before they are used with borrowers. • Own the legal and compliance reporting within the collections KPI package. • Complete FDCPA and UDAAP review of consumer-facing components before launch and provide sign-off. • Build and maintain a state-by-state legal viability map for deficiency collections across the portfolio. • Ensure all deficiency collection approaches across borrower segments are anchored to loan attributes, not internal product or program classification. • Manage bankruptcy filings across the portfolio. • Coordinate responses with compliance on CFPB inquiries, state attorney general matters, and consumer complaints escalated through regulatory channels. • Build and deliver compliance training for post charge-off staff before any live account is worked. • Vet all third-party collection agencies before any account is placed. • Own the ongoing agency compliance program. • Oversee third-party BPO partners working post charge-off accounts. • Lead outside counsel evaluation and selection for the legal escalation pipeline. • Write and maintain all policies and procedures for the post charge-off collections program. • Manage active collections-related litigation in coordination with outside counsel. • Identify process gaps that create legal exposure or leave recovery on the table. • Serve as the legal and compliance resource for daily questions from collection agents, team leads, and directors. • Hire and develop direct reports as program volume increases.

Role Description The ACLU seeks a Fall Legal Intern in the State Supreme Court Initiative of the ACLU’s National office in New York City or Washington DC. This position can be remote or hybrid and is for course credit only. Qualifying applicants must currently be matriculated legal students and must be based in the U.S. for the entire duration of the internship. The SSCI is a team of attorneys and legal fellows, dedicated to strengthening and expanding the ACLU’s voice in state supreme courts. Working with the ACLU’s affiliates around the country, the SSCI identifies cutting-edge cases of constitutional import in state supreme courts and files briefs in those cases, either as amicus curiae or co-counsel. It also facilitates strategic collaboration among the ACLU’s state affiliates and other partners engaged in state constitutional litigation. The intern will be responsible for research and writing projects relating to litigation in state supreme courts. - Draft memoranda, motions, and portions of briefs - Conduct legal and factual research concerning issues and cases in multiple state supreme courts - Track cases and issues of interest to the SSCI - Center principles of equity, inclusion, and belonging in all work Qualifications - Open to students enrolled at U.S. law schools who will have completed at least one year of law school before the internship commences - Excellent research skills, including conducting internet searches and using Westlaw, PACER, and other law-related databases - Excellent communication skills, both oral and in writing, and both in-person and via teleconferencing services - Attention to detail, organization, time management, and deadlines - Proficiency in Microsoft Office Suite Requirements - Be committed to advancing the mission of the ACLU - Center and embed the principles of equity, inclusion, and belonging in their work - Be committed to work collaboratively and respectfully toward resolving obstacles and conflicts Internship Logistics - Location: Remote or hybrid based in New York City or Washington DC - Time Commitment: Part-time (10, 15, or 20 hours/week) - Internship Duration: Fall internships span 12 consecutive weeks with a start date of September 8 or September 21 - Stipend: Course credit only; must be tied to the intern’s formal education program Company Description For over 100 years, the ACLU has worked to defend and preserve the individual rights and liberties guaranteed by the Constitution and laws of the United States. Whether it’s ending mass incarceration, achieving full equality for the LGBTQ+ community, establishing new privacy protections for our digital age, or preserving the right to vote or the right to have an abortion, the ACLU takes up the toughest civil liberties cases and issues to defend all people. Accessibility, equity, diversity, and inclusion are core values of the ACLU and central to our work to advance liberty, equality, and justice for all. We believe in a collective responsibility to create a culture of belonging for all people within our organization. The ACLU is committed to providing reasonable accommodation to individuals with disabilities. If you are a qualified individual with a disability and need assistance applying online, please email benefits.hrdept@aclu.org. In order to be considered for this position, all candidates must formally submit an application. The ACLU does not accept unsolicited calls or emails from candidates regarding their application status.

Role Description We are looking for a full-time Associate Attorney to join our firm's practice in Nevada. The ideal candidate is one who has experience drafting legal documents such as pleadings and legal memoranda, has strong organizational skills, and is willing to take on a heavy workload. This position imparts broad responsibilities and exposes you to a range of legal issues related to consumer protection, including transactional and civil litigation matters. Because our firm’s headquarters are in New York, this position entails communicating with our main office exclusively via telephone and electronic means (e-mail, Microsoft Teams, etc.). - Maintaining and supervising a heavy & diversified caseload of the Firm’s clients in Nevada. - Communicating with clients regarding their respective matters. - Drafting pleadings, motions, legal memoranda, reviewing & drafting agreements, etc. - Communicating with opposing parties to resolve/settle claims. - Legal research related to simple and complex issues in contract law and other areas of consumer law. - While this role is based from home, you may be required to travel for in court appearances. Qualifications - Must be currently admitted to practice law in Nevada (multiple-state admission is a big PLUS). - Minimum of 1 year of relevant experience at a law firm. - Must possess superior organizational & time-management skills to meet strict deadlines. - Exceptional written and oral communication skills. - Highest ethical standards and professional integrity. - Strong interpersonal skills and ability to work easily with senior management and employees at all levels throughout the organization. - Strong legal research skills -- proficiency in LexisNexis is a plus. Benefits - Compensation is competitive and commensurate with expertise and previous experience. - Training & Guidance (onsite). - Medical, Dental & Vision Benefits. - 401K Benefits with Employer Match. - Paid Time Off (PTO). - An incredible team of smart and supportive people!

• Draft and review pleadings, motions, and other litigation-related documents in product liability or complex litigation matters. • Prepare, analyze, and respond to written discovery and manage discovery exchanged with multiple parties. • Develop case strategies, defenses, and trial themes with increasing autonomy, supported by mentorship and collaboration. • Research and analyze state and federal case law, statutes, and regulatory frameworks applicable to complex litigation matters. • Interview, prepare, and work with fact witnesses, expert witnesses, and corporate representatives for testimony in litigation and regulatory proceedings. • Take and defend depositions of lay witnesses, experts, and corporate representatives. • Argue motions and participate in court appearances under appropriate supervision. • Draft pretrial reports and assist with case evaluations, exposure analysis, and risk assessments. • Participate in mediations, settlement conferences, status conferences, and hearings. • Contribute to creative problem-solving and strategic planning for case resolution. • Assist with settlement negotiations with plaintiffs and opposing counsel. • Build and maintain strong client relationships through professional, responsive, and inclusive oral and written communication. • Collaborate with and help supervise paralegals and litigation support staff. • Support Shareholders, Partners, and Senior Counsel on complex litigation matters. • Meet annual billable hour expectations and comply with firm timekeeping policies. • Participate in business development, networking, and client-facing opportunities consistent with interest and experience. • Engage in bar associations, professional organizations, and community involvement that support inclusion and professional growth. • Foster a respectful, inclusive, and collaborative workplace and contribute positively to firm culture. • Additional responsibilities as requested by Management.