About the Role
YOU will serve as the primary legal architect and product counsel for the credit ecosystem, guiding multi-functional teams from ideation through launch. You will manage regulatory compliance, craft robust consumer agreements, and directly shape the future of retail credit card and consumer banking initiatives. In this role, you will partner with product, engineering, and compliance teams on consumer credit and consumer banking related product launches. You will be an engaged and resourceful self-starter, comfortable working in a fast-paced environment, and excellent at building strong relationships.
Requirements
- J.D. degree from an ABA-accredited law school (or foreign equivalent)
- Membership in at least 1 U.S. State Bar, with good standing
- 7+ years of relevant work experience across a law firm, government agency, or a fast-paced technology, financial services, banking, lending, payments, or fintech company
- Deep understanding of consumer lending products including credit cards and applicable federal consumer financial protection laws such as the Truth in Lending Act, the Equal Opportunity Credit Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act
- Deep understanding of consumer banking products including deposit accounts and applicable federal consumer financial protection laws such as the Expedited Funds Availability Act, the Truth in Savings Act, and the Electronic Fund Transfer Act
- Experience working with the Consumer Financial Protection Bureau and its rules and regulations
- Advanced expertise with payments industry legal issues and applicable compliance requirements and regulations, including NACHA Rules, card network rules, Bank Secrecy Act / anti-money laundering rules, and state money transmission services regulation
- Experience supporting the rollout of retail-based customer products and services
- Excellent interpersonal and communication skills, with the ability to communicate information effectively to non-legal audiences and drive cross-functional alignment
- An execution-oriented mindset with the agility, drive, and creativity to deliver results
Responsibilities
- Provide end-to-end counseling on a range of retail products including payments, credit cards, and banking-related products and services, collaborating with cross-functional stakeholders
- Respond promptly to complex legal requests and coordinate with team and outside counsel to deliver practical, timely advice
- Identify and assess business and legal risks and mitigate them while achieving product goals
- Ensure compliance with applicable laws and regulations
- Advise on, review, and draft consumer agreements in support of new products
- Develop trusted relationships to facilitate a coordinated team approach to launching new products and features
- Be a business partner and think like a proactive product owner, not just a legal advisor
- Pitch in on legal work across the team whenever needed
Benefits
- Challenging high impact work to grow your career
- Performance driven compensation with multipliers for outsized impact, bonus programs, equity ownership, and 401(k) matching
- Best in class benefits including 100% paid health insurance for employees with 90% coverage for dependents
- Lifestyle wallet a highly flexible benefits spending account for wellness, learning, and more
- Employer paid life and disability insurance, fertility benefits, and mental health benefits
- Time off to recharge including company holidays, paid time off, sick time, parental leave, and more
- Exceptional office experience with catered meals, events, and comfortable workspaces