Overview
This role is responsible for leading legal strategy across consumer financial products and regulatory matters. The position serves as a senior advisor to Product, Risk, Compliance, and executive leadership while building and developing a team of senior legal professionals.
You will work at the intersection of product innovation, consumer financial regulation, and business strategy—shaping how legal risk is approached across banking, lending, payments, subscriptions, and emerging products.
Responsibilities
- Lead legal strategy for banking, lending, payments, neobanking, and subscription products, partnering with Product, Design, Marketing, Engineering, Security, Risk, and Compliance from early concept through launch and ongoing operations.
- Advise on product structure, onboarding, disclosures, pricing, servicing, and terms to balance member experience, business objectives, and legal and regulatory requirements.
- Build and lead a proactive regulatory monitoring and change-management program covering federal and state legislative, regulatory, licensing, and enforcement developments.
- Own senior legal relationships with sponsor banks, program partners, payment processors, and outside counsel, including BaaS arrangements, audits, program changes, and card-network requirements.
- Oversee state licensing strategy, including NMLS-related requirements, and provide legal leadership during regulatory exams, bank partner reviews, and audits.
- Manage, coach, and develop senior legal professionals by setting clear expectations for quality, judgment, ownership, and professional growth; plan for future capability and succession needs.
Requirements
- J.D. from an accredited law school and active bar membership in good standing.
- 12+ years of legal and regulatory experience in consumer financial services and/or fintech, including significant experience advising on product and regulatory matters.
- Deep experience with banking, lending, payments, digital financial products, and BaaS partnership structures.
- Strong knowledge of consumer financial services laws and regulations, including TILA, TISA, EFTA, FCRA, GLBA, UDAAP, ROSCA, and related state consumer protection and licensing requirements.
- Demonstrated experience managing state licensing requirements and building or maintaining state regulatory requirements inventories.
- Experience supporting state and federal regulatory exams, audits, and regulatory change initiatives.
- Proven people leadership experience, including developing senior attorneys or comparable legal professionals and building strong, accountable teams.
- Executive-level communication skills; ability to make complex legal and regulatory issues clear to senior leaders and, when needed, the Board.
Preferred Qualifications
- Experience in fintech, digital banking, payments, or financial services technology.
- Experience across both law firm and senior in-house roles.
- Experience building or scaling an in-house legal function.
- Recognized subject-matter expertise in consumer fintech product or regulatory matters.
Compensation & Benefits
- Premium Medical, Dental, and Vision Insurance plans
- Generous paid parental and caregiver leave
- 401(k) savings plan with matching contributions
- Financial advisor and financial wellness support
- Flexible PTO and generous company holidays, including Juneteenth and Winter Break
- Flexible hours and virtual-first work culture with a home office stipend
- Opportunity to tackle tough challenges and learn/grow with top talent
- All-company in-person events once or twice a year and virtual events throughout to connect with your team and leadership
Location
- Virtual-first role: team members can live and work anywhere in the United States, except Hawaii.
Equal Employment Opportunity
The employer is an Equal Employment Opportunity employer and dedicated to cultivating a diverse and inclusive workplace. All qualified applicants will be considered and employment decisions are made without discrimination on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.