About the Role
You will provide legal guidance on licensing and crypto product regulation, lead licensing initiatives, coordinate with cross functional teams and outside counsel, and draft and maintain customer facing terms of service user agreements and product disclosures to mitigate risk. You will stay ahead of regulatory developments and translate requirements into actionable workflows for the organization.
Requirements
- JD degree and active membership in good standing with a relevant Bar association.
- Minimum 5 years of experience specifically in crypto-assets, blockchain, or fintech legal environments.
- Proven experience successfully obtaining MTL licenses (US state-level) and similar financial service licenses (VASP, etc.).
- Deep knowledge of the Bank Secrecy Act (BSA), USA PATRIOT Act, and the Howey Test (securities vs. commodities).
Responsibilities
- Lead the preparation, submission, and management of Money Transmitter License (MTL) applications across US states and international equivalents.
- Act as the primary legal point of contact for state and federal regulators (e.g., FinCEN, NYDFS) during the application and examination phases.
- Oversee and coordinate with specialized outside law firms to ensure high-quality and timely licensing submissions.
- Ensure all licenses remain in good standing, managing renewals and material change notifications.
- Provide legal guardrails during the design phase of new crypto products (e.g., stablecoins, or on/off ramp features).
- Conduct deep-dive legal analysis on whether new assets or features trigger securities, commodities, or banking laws.
- Draft and maintain customer-facing Terms of Service, user agreements, and specific product disclosures that mitigate legal risk.
- Stay ahead of global crypto regulations (e.g., evolving SEC/CFTC guidance in the US) and advise leadership on required pivots.
- Partner with Compliance to ensure that legal requirements are translated into clear operational workflows.
- Write high-level legal policies that set the standard for the company's regulatory stance.