Counsel, Product & Regulatory

Overview

This role involves providing legal counsel focused on product and regulatory matters within the payments technology sector. The position supports cross-functional initiatives addressing complex legal and regulatory issues related to financial and payments products, with an emphasis on managing risk. The role requires strong business acumen, independent work capability, and collaboration with multi-stakeholder teams. Reporting is to the US Product & Regulatory lead counsel.

This position is remote and open to candidates located anywhere within the United States.

Responsibilities

• Serve as a trusted advisor with expertise in laws and regulations governing prepaid, debit, and credit card products, including EFTA/Regulation E, Durbin/Regulation II, TILA/Regulation Z, and card network rules
• Provide legal advice on payment laws, financial services regulations, consumer protection, and enforcement actions for existing products and new features
• Assess legal risks and recommend mitigation strategies to cross-functional teams such as product, engineering, risk, and go-to-market
• Monitor and analyze new regulations in the payments and financial services space to determine applicability to the organization's products
• Collaborate closely with internal teams, sponsor banks, and customers to facilitate launches of new products, features, and campaigns
• Manage relationships with outside legal counsel
• Demonstrate initiative, integrity, and sound judgment while working across the organization

Requirements

• Minimum 5 years of in-house legal experience in fintech or banking, or at a reputable law firm, focusing on prepaid, debit, and/or credit card products
• Deep understanding of the payments industry, including relevant laws, rules, and regulations affecting banks and payments ecosystem participants such as issuer processors and program managers
• Proven ability to independently and collaboratively drive complex projects to completion under tight deadlines in a fast-paced environment
• Strong business focus with practical risk awareness and ability to balance legal risk mitigation with business objectives
• Excellent oral and written communication skills; ability to work both independently and on teams; ability to influence outcomes and drive accountability
• Ability to engage constructively and respectfully with internal stakeholders, banks, and customers
• Advanced problem-solving skills with the ability to quickly analyze issues and deliver solutions
• Positive attitude, team player, and commitment to excellence
• Juris Doctor (JD) degree and membership in good standing of a State Bar

Compensation and Benefits

Compensation is calibrated based on work location within the United States, divided into three tiers:

• National: $188,800 - $236,000
• Premium (higher cost-of-living areas such as Los Angeles, CA and Seattle, WA): $204,600 - $255,800
• Premium Plus (highest cost-of-living areas such as San Francisco Bay Area and New York City): $220,400 - $275,500

Additional benefits include:

• Annual performance-based bonuses
• Multiple health insurance options
• Flexible time off
• Retirement savings program with company contributions and after-tax options
• Equity in a publicly traded company and an Employee Stock Purchase Program
• Family-forming benefits, fertility support, and up to 20 weeks of parental leave
• Access to free therapy sessions, financial and professional coaching, and legal advice
• Monthly stipend to support remote work
• Annual development funds for professional growth

Location

Remote within the United States, with compensation adjusted according to geographic location tiers as described above.