Regulatory Counsel

Overview

A leading family fintech organization is seeking a Regulatory Counsel to serve as a key in-house advisor on regulatory compliance, privacy, and new product initiatives. This role involves managing complex legal matters independently in a fast-paced environment, working closely with senior legal leadership and outside counsel to balance speed and risk.

Responsibilities

• Act as the primary in-house advisor on financial services regulations including Reg E, Reg Z, UDAAP, GLBA, and applicable state laws
• Support regulatory compliance in partnership with bank collaborators
• Collaborate with Product and Business Development teams to assess regulatory feasibility of new initiatives and ensure compliance from inception
• Manage updates to Terms of Service and cardholder agreements for product launches
• Oversee and coordinate outside regulatory counsel engagements
• Serve as in-house privacy counsel handling data subject requests, vendor data processing agreements, AI-related addenda, and day-to-day privacy matters
• Manage compliance with COPPA (including 2025 amendments) and state privacy laws across jurisdictions
• Oversee privacy tools such as data deletion automation and data mapping in collaboration with security and engineering teams
• Support periodic privacy program reviews and manage outside privacy counsel
• Provide legal support for hardware product launches, including consumer terms, warranties, refund policies, and fee disclosures
• Advise on packaging, export control, and regulatory considerations for physical consumer products
• Support regulatory review of new product initiatives throughout the product lifecycle

Requirements

• J.D. from an accredited U.S. law school and active license to practice law in at least one U.S. jurisdiction
• 5-8 years of legal experience, including at least 2 years in a law firm setting
• Experience in fintech, consumer finance, or regulated financial services, preferably in a consumer-facing environment
• Hands-on knowledge of financial services regulations such as Reg E (including prepaid rules), Reg Z, UDAAP, and GLBA
• Privacy law experience including COPPA, CCPA/state privacy laws, and data processing agreements
• Ability to work independently, manage outside counsel, and communicate complex legal concepts clearly to non-legal stakeholders
• Strong organizational skills to manage multiple workstreams and good judgment on escalation

Preferred Qualifications

• Experience working with bank partners or within a program manager structure
• Legal experience related to hardware, IoT, or consumer products
• Familiarity with legal operations tools such as Ironclad or similar platforms

Compensation & Benefits

• Competitive market-based salary varying by location, experience, and skill set
• Estimated base pay range:
  • New York, California, Washington: $165,000 - $220,000
  • Colorado: $165,000 - $200,000
• Discretionary performance bonus
• Equity rewards
• Medical benefits
• 401(k) match
• Ongoing compensation evaluations to maintain market competitiveness

Location

Positions are available in New York, California, Washington, and Colorado.