Avarda Groupsimplifies how customers across Europe manage their personal finances. Listed on Nasdaq Stockholm since 2016, we combine a pragmatic business mindset with cutting‑edge technology to deliver scalable, efficient payment, savings and lending solutions.

About the Role

We are seeking aLegal Counsel to join our team inMálaga. In this role, you will manage legal disputes inItaly– covering customer complaints, pre‑litigation matters, litigation, and regulatory disputes – while working closely with internal stakeholders to reduce dispute risk and improve customer outcomes. You will coordinate with external counsels and relevant authorities, provide pragmatic legal advice across the dispute lifecycle, and help ensure the Bank’s dispute handling processes remain fully compliant with Italian and EU regulatory requirements. You will also contribute to strengthening dispute prevention, governance and customer‑centric resolution routines in a high‑velocity digital environment.

Key Responsibilities

Dispute Resolution & Governance

Contribute to the development, implementation and maintenance of the Group’s dispute resolution strategy, including internal policies, procedures and governing documents.
Ensure that dispute resolution frameworks, contractual standards and customer‑facing practices comply with applicable laws, regulatory requirements and internal risk frameworks.
Assess legal, regulatory and financial risks related to disputes, and provide recommendations to management and key stakeholders.
Manage legal disputes, including customer, commercial and regulatory disputes.
Represent the Company in court proceedings, arbitration and alternative dispute resolution processes, or coordinate and instruct external counsel.

Customer Disputes & Early Resolution

Provide legal support in customer dispute matters, including structured dialogue, complaint handling and early‑resolution strategies aimed at improving customer outcomes.
Support and, when appropriate, participate in direct communication with customers and external counterparties in dispute-related matters.

Legal Drafting & Contracting

Draft, review and update governing documents, templates and guidelines related to disputes, contracts and data protection.
Draft, review and negotiate commercial agreements and other legal documentation.

Data Protection & GDPR Compliance

Provide legal advice on data protection and GDPR matters, including the review of data processing activities, agreements and internal routines.
Support the organization in managing personal data incidents, complaints and interactions with data protection authorities.

Regulatory Interaction & Cross‑Functional Coordination

Manage and coordinate legal contacts with supervisory authorities, regulators and other public bodies in dispute‑ and compliance‑related matters.
Collaborate with other dispute resolution, legal and compliance teams across the Group to ensure consistent practices, effective escalation routines and robust knowledge sharing.

Qualifications and Experience

Law degree from a recognized university.
5+ years of experience in a law firm or in-house legal department, preferably within consumer credit, payments, banking regulation, or other highly regulated financial services sectors.
Strong grounding in Italian civil and consumer law, commercial contracting, financial services regulation, and EU frameworks such as GDPR.
Excellent legal drafting and analytical abilities; strong issue‑spotting; ability to prioritize and balance legal and commercial considerations.
Strong communication skills and a collaborative, solutions‑oriented approach.
Italian (fluent) and English (professional working proficiency) language skills required.

Nice to Have

Experience with credit‑card products, chargebacks or card‑scheme rules.
Exposure to consumer credit or cash‑loan products.
Experience liaising with Italian regulators (e.g., Banca d’Italia, AGCM, Garante Privacy).
Familiarity with AML/KYC frameworks, outsourcing requirements and operational risk settings.
Familiarity with the MiFID II regulatory framework and its practical application within financial services.

If you are a proactive lawyer looking to grow within a dynamic, technology‑driven environment while contributing to a compliant, customer‑centric banking operation, we would love to hear from you.

Please submit your CV in English.

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