Regulatory Counsel, Americas

Overview

This remote role supports regulatory matters across the Americas region, providing practical legal advice on payments and financial services regulation. Responsibilities include advising on licensing, money transmission and related requirements, and cross-border product offerings, as well as partnering with Regulatory Compliance and other control functions to support licensing, registration, and ongoing compliance obligations.

Responsibilities

• Support regulatory legal matters across the Americas, including advice on existing licenses and registrations and potential future applications.
• Research and summarize developments in payments and financial services regulation, identifying potential impacts on business operations and strategic objectives.
• Partner with Product Legal, Regulatory Compliance, Risk, and Financial Crime Compliance on regulatory questions involving money transmission, stored value, FX, remittance, card issuing, and related financial-services products.
• Support Product, Strategy, Management, and Commercial teams on new market entry, license expansion, and regulatory mapping for new products and features.
• Analyze how funds move through different payment structures and identify applicable licensing and regulatory requirements, escalating complex issues when appropriate.
• Provide clear, practical legal guidance and risk assessments to cross-functional stakeholders, with support from senior counsel and external advisers.
• Support management of external legal counsel and consultants, including preparing instructions, reviewing advice, and tracking deliverables and costs.
• Assist with regulatory filings, submissions, and responses in relevant Americas jurisdictions in partnership with Regulatory Compliance and senior legal counsel.
• Monitor regulatory developments and translate changes into practical guidance, procedures, and implementation requirements.
• Leverage AI and other tooling to improve the scale, efficiency, and effectiveness of the Regulatory Legal team.
• Contribute to government-relations and policy work, including research and preparation for outreach to legislators and regulatory agencies.

Minimum Qualifications

• Qualified lawyer with 5 years of relevant post-qualification experience.
• Regulatory, financial-services, or fintech experience gained in-house, in private practice, or at a financial institution.
• Exposure to payments, money transmission, e-money, FX, remittances, card issuing, digital financial services, or another closely related regulatory area.
• Working understanding of the US financial-services regulatory environment, with an interest in developing deeper expertise in state money-transmitter licensing and payment flows.
• Ability to research complex legal and regulatory questions and translate findings into clear, practical advice.
• Strong written and verbal communication skills, with the ability to explain legal topics to non-lawyers.
• Strong collaboration and stakeholder-management skills, including the judgment to escalate issues appropriately.
• Proactive, organized, and ownership-oriented, with the ability to manage multiple priorities and deadlines in a fast-paced environment.
• Comfortable working through ambiguity, learning quickly, and operating as part of a global team.

Preferred Qualifications

• Experience supporting state money-transmitter licensing applications, renewals, examinations, regulatory filings, or related compliance work.
• Experience advising on consumer or commercial financial-services products, including familiarity with Reg E, UDAAP, TILA, or similar requirements.
• Experience supporting new-market expansion or regulatory analysis for new products and features.
• Experience working with US federal or state regulators, directly or through outside counsel.
• Experience in a mix of private practice and in-house environments.
• Familiarity with Canadian payments or money-services-business regulation, including RPAA, FINTRAC, or provincial licensing.
• Experience using or developing RegTech, LegalTech, or AI tools to improve legal workflows.

Compensation & Benefits

• Compensation range: $142K - $200K

Location

• Remote role based in the US.