FinTech Product Counsel

J.D. from an ABA-accredited U.S. law school. Membership in good standing to at least one state bar. 5+ years of relevant experience advising fintech businesses or non-bank financial institutions on financial products and services. Expertise in embedded finance products (loans, credit/debit cards, stored value cards, checking accounts) and payments solutions. Deep knowledge of commercial/consumer banking regulations (Reg B, E, Z, CC, DD), consumer protection laws (UDA(A)P), electronic funds transactions laws (Reg E, NACHA), money transmitter laws, and card association/payment network rules. Exceptional written and verbal communication skills. Ability to partner effectively with product and cross-functional teams. Experience advising on products with AI components is preferred.

Represent Legal on cross-functional teams to design and implement financial products. Ensure compliance with financial regulations, laws, contracts, card brand rules, and industry best practices. Research, analyze, and advise on legal and regulatory requirements for fintech solutions. Draft user terms and agreements. Review customer-facing materials for compliance and provide guidance.