Commercial Counsel

Overview

A growing financial technology company is seeking an experienced Commercial Counsel to join their in-house legal team. This role involves owning the legal infrastructure behind key commercial and strategic partnerships, focusing on complex banking products and services. The position offers the opportunity to architect innovative partnership structures, navigate regulatory requirements, and work closely with Sales, Risk, and Compliance teams to scale the platform safely.

This role can be based in San Francisco with a hybrid schedule (3–4 days per week) or fully remote. For San Francisco-based employees living within 2 miles of the office, a post-tax rent subsidy of up to $2,000 per month is available. Relocation candidates are welcome.

Responsibilities

• Structure, draft, and negotiate complex customer, vendor, and third-party agreements related to banking products and services, including payments, money movement, deposit accounts, card, and lending programs.
• Develop and maintain legal playbooks, contract templates, terms of service, notices, and disclosures to enable efficient and high-quality contracting.
• Lead negotiations with high-growth fintechs and enterprise customers, balancing commercial priorities with regulatory compliance.
• Collaborate closely with Sales and Business teams to align contracting strategies with organizational goals, risk tolerance, and deal structures.
• Support the broader legal team with research, product and regulatory advice, exam management, subpoena responses, litigation support, and corporate governance.
• Contribute to improving legal operations, policies, and processes to support ongoing growth.

Requirements

• Minimum 5 years of practicing law, preferably with experience in technology transactions or fintech law, either at a law firm or in-house at a fintech or financial institution.
• Proven ability to independently draft and negotiate commercial agreements with strong knowledge of contract law and commercial transactions.
• Experience managing complex commercial negotiations.
• Strong project management skills with the ability to handle multiple initiatives and stakeholders under deadlines.

Preferred Qualifications

• Familiarity with traditional commercial banking products and services such as ACH, wire transfers, accounts, lending, cards, cash management, sweeps, and check issuance/deposit.
• Experience in structured finance or lending products.
• Understanding of money transmission regulations.

Compensation & Benefits

• Annual base salary range: $200,000 - $250,000 plus equity.
• Comprehensive health, dental, and vision insurance plans, including options fully covered for employees and dependents.
• Family planning and fertility benefits with reimbursement up to $20,000.
• Up to $2,000/month post-tax rent subsidy for eligible San Francisco employees.
• Flexible Spending Account (FSA) and Health Savings Account (HSA) options.
• 401(k) plan with self-directed brokerage options.
• Flexible time-off policy.
• 100% paid parental leave: 16 weeks for birth mothers, 12 weeks for primary caregivers, 8 weeks for secondary caregivers.
• Up to $4,500 annually for backup childcare reimbursements.
• Catered lunches and dinners for San Francisco employees.
• Commuter benefits including paid transportation to and from the office.
• Regular team-building events and annual offsite gatherings.

Location

• San Francisco, CA (hybrid schedule with 3–4 days per week in office) or remote.
• Rent subsidy available for employees living within 2 miles of the office.

The organization is committed to diversity and inclusion and encourages applicants from all backgrounds. Reasonable accommodations are available during the application and recruitment process upon request.