Description:
About the Team:We're looking for a Payments Counsel to join our growing Legal team. You'll be a trusted advisor across the business, ensuring our products, licenses, and partnerships are structured and executed in compliance with applicable payments regulations. This is a highly cross-functional role, working closely with Compliance, Risk, Product, and Business Development.
What You'll Do:
- Advise on U.S. and EU payments regulations, including state money transmission laws, federal banking regulations, PSD2/PSD3, EMD2, e-money licensing, card network rules, and virtual asset frameworks.
- Partner with Compliance and Licensing teams on MTL applications, international licenses, and ongoing obligations.
- Draft card holder agreements across multiple jurisdictions.
- Draft, review, and negotiate commercial agreements with banks, payment processors, card networks, and vendors.
- Manage relationships with outside counsel on specialized regulatory or jurisdictional issues.
- Assist with responses to regulators and participate in audits, exams, and inquiries.
- Stay ahead of regulatory changes affecting payments, crypto, and fintech; help shape internal strategy and external engagement.
You are likely to succeed if you have:
- A JD from a top-level law program. Preference for US-trained lawyers, but international JDs will be considered.
- At least 5–8 years of legal experience, focused on payments, fintech, financial services regulation, or related areas.
- Strong understanding of US and EU payments regulations, including state MTLs, the Durbin Amendment, Regulation E, PSD2/PSD3, EMD2, EMI licensing, and card network rules.
- Experience advising on commercial contracts and regulatory issues for fintech or payments companies.
- Excellent written and verbal communication skills; able to translate complex regulation into clear business advice.
- A collaborative, business-oriented mindset; comfortable working across multiple teams and time zones.
Bonus attributes:
- Digital assets/crypto regulatory experience (e.g., VASP regimes, MiCA).
- Prior in-house experience at a fintech, payments company, or financial regulator.
