Product Counsel

Overview

A financial technology organization is seeking a Product Counsel to join their legal team. This role involves partnering closely with Product, Engineering, and Marketing teams to provide legal guidance on product launches, payments architecture, card network compliance, consumer disclosures, and marketing materials. The position requires working at a fast startup pace while ensuring regulatory compliance.

Responsibilities

• Act as the primary legal advisor for product and engineering teams on issues related to disclosures, data sharing, and customer experience.
• Draft, review, and maintain consumer-facing agreements, online terms, and regulatory notices using established templates or by developing new ones.
• Review marketing campaigns for legal compliance, including terms and conditions, promotional disclosures, and sweepstakes rules.
• Provide advice on card network rules (Visa, Mastercard, Amex) and their application to transaction processing, dispute resolution, and product design.
• Offer practical legal guidance on payments-related matters such as settlement, payment processing, and funds flow architecture.
• Collaborate with Compliance on regulatory interpretation, monitoring, and exam preparation.
• Support the Associate General Counsel with escalated complaints, regulatory inquiries, and bank partner issues.
• Participate in product reviews, sprint planning, and design sessions to identify legal considerations early.
• Translate complex legal and regulatory requirements into clear, actionable guidance for cross-functional teams.

Qualifications

Required

• Juris Doctor (J.D.) from an accredited law school.
• Active membership in good standing with at least one U.S. state bar.
• 4–6 years of legal experience in financial services; credit card experience preferred but experience in consumer deposit, lending, digital banking, payments, or fintech is also considered.
• Familiarity with federal consumer finance regulations including TILA/Reg Z, ECOA/Reg B, EFTA/Reg E, FCRA, UDAAP, CAN-SPAM, and TCPA.
• Experience drafting and reviewing consumer-facing agreements, disclosures, and marketing materials.
• Ability to work independently, manage competing priorities, and deliver clear legal guidance under tight deadlines.
• Strong communication skills with the ability to explain legal risks and regulatory nuances to diverse audiences.
• Willingness to conduct independent research and verify findings with senior team members.

Preferred

• Experience at a fintech, neobank, payments company, or as outside counsel advising financial services clients.
• Working knowledge of Visa and/or Mastercard network rules.
• Familiarity with data privacy frameworks such as CCPA and GLBA and their impact on product design.
• Experience in sponsor bank, banking-as-a-service, or fintech partnership environments.
• Experience using ticketing or project management systems (e.g., Linear, Jira, Asana).
• Background supporting compliance and data privacy in startup or high-growth environments.
• Comfort with legal technology, AI-assisted workflows, and process automation.

Compensation & Benefits

• Salary range: $200,000 - $250,000
• Competitive compensation and equity packages
• Choice of leading configured work computers
• Flexible paid time off
• Fully covered, high-quality healthcare including dependent coverage
• Additional health benefits including access to One Medical and option to enroll in an FSA
• 20 weeks of paid parental leave for primary caregivers and 8 weeks for all new parents
• Access to industry-leading technology to support innovation and productivity

Location

This role is remote-friendly and involves collaboration with cross-functional teams in a fast-paced environment.