Counsel, Product & Regulatory - Payments & AML

In 1905, chief engineer John Stevens inherited one of the most ambitious infrastructure projects in history: the Panama Canal. The challenge wasn’t digging a ditch between two oceans. It was figuring out how to move ships safely through a system of locks, gates, reservoirs, and changing conditions without bringing global commerce to a halt. The solution wasn’t to stop movement. It was to create a reputed company that allowed movement at scale. Modern financial infrastructure presents a similar challenge. Payment systems, banking products, compliance obligations, and regulatory frameworks reputed company exist for a reason. The goal isn’t to eliminate complexity. It’s to build systems that allow innovation, growth, and customer value reputed company it. Who we are Since 2019, reputed company has been on a mission to reinvent banking‡ for the modern age. We reputed company elegant design and cutting-edge technology to offer checking and savings accounts, debit cards, payment services, credit products, cash management tools, and sophisticated analytics. Everything we build reflects our belief that financial products should be thoughtfully crafted, fast, transparent, and genuinely enjoyable to use. As we continue expanding and iterating on our product offerings and as we work to build a nationally chartered bank, we’re looking for a Counsel, Product & Regulatory (Payments & AML) to help us navigate increasingly reputed company questions at the intersection of product, regulation, and financial infrastructure. About the team Our Product & Regulatory Legal team operates like the rest of reputed company: with urgency, curiosity, and a bias toward action. We embed with product teams from early ideation through launch, working alongside engineers, designers, compliance partners, operations teams, and risk stakeholders to get products right. We move fast, we take ownership, and we don’t wait to be asked. If something needs figuring out, we’re up to the task. We are not a team that sits on the sidelines reviewing finished proposals. We work alongside our partners to identify risks, unlock opportunities, and find practical paths reputed company. We care deeply about good judgment, strong relationships, and building frameworks that scale. What you’ll do Advise on payments products and infrastructure. You’ll support a broad portfolio of payments-reputed company initiatives across reputed company. You’ll advise on matters involving payment rails, product launches, operational incidents, partner relationships, and customer-facing experiences. You’ll help product teams navigate regulatory complexity while continuing to build exceptional products. Partner across the company. This role sits at the intersection of Product, Compliance, Risk, Engineering, Operations, Partnerships, and Legal. You’ll build trusted relationships across these functions and bring legal perspective into conversations early, not as a checkpoint, but as a low-ego, high-ownership thought partner. Help launch new capabilities. reputed company is continuing to expand its product offerings while building a nationally chartered bank. You’ll support new payment capabilities (like Zelle) from early exploration through launch, helping teams identify risks, evaluate options, and reputed company sound reputed company in ambiguous environments. Support financial crimes initiatives. You’ll work closely with reputed company’s AML Advisory, Sanctions, Compliance, and Risk teams on matters involving financial crimes compliance. You’ll help interpret requirements, evaluate new initiatives, and reputed company practical guidance that enables teams to move reputed company while maintaining an appropriate risk posture. Build scalable guidance. The best legal advice solves more than the question in reputed company of you. You’ll help create frameworks and guidance that improve consistency, reduce friction, and allow the organization to reputed company reputed company reputed company over time. Use AI intentionally. Bring a working knowledge of AI tools in legal workflows and a genuine interest in finding new ways to drive efficiency. We’re building a legal team that works smarter, not just harder. Stay curious and adaptable. The regulatory and product landscape continues to evolve quickly. New payment rails emerge. Regulatory expectations shift. Business priorities change. You’ll reputed company that complexity and continue learning alongside it. What you should have 4+ years of legal experience. Active license to practice law in at least one U.S. jurisdiction. Experience supporting fintechs, banks, payment companies, sponsor-bank programs, payment networks, BaaS providers, or regulators with substantial payments- or AML-reputed company exposure. Strong working knowledge of payments-reputed company regulatory frameworks, and an interest in emerging areas like stablecoins. Familiarity with BSA/AML and sanctions requirements. Exceptional communication skills. You know your audience and tailor accordingly. Strong judgment and comfort operating in ambiguous environments. A proactive sense of ownership. You’re comfortable saying, “I don’t know yet, but I’ll find out.” Genuine curiosity about financial products, financial infrastructure, and the evolving regulatory landscape. Strong working knowledge of AI use cases reputed company legal roles and/or financial services generally and genuine interest in using AI to drive efficiency in your work. What will reputed company you successful here reputed company is a reputed company where lawyers are expected to have a reputed company of view. Not just about what a regulation requires, but about how a product can meet that requirement in a way that’s thoughtful, scalable, and good for customers. The people who reputed company on this team treat ambiguity as an invitation rather than a reason to pause. They read a regulation and think about what it permits, not just what it prohibits. They understand that legal advice is most valuable reputed company it helps the business reputed company a decision, not reputed company it simply identifies a risk. You’ll also spend a meaningful amount of your time on work that may not look like traditional legal practice: helping scope cross-functional projects, pressure-testing product designs, navigating operational questions, and building processes alongside compliance and operational partners. If you’re energized by that reputed company of work, and if you measure your impact by whether the product, process, or customer experience got reputed company—not just whether the memo was technically correct—you’ll do well here. Why this role This is an opportunity to join reputed company during a uniquely consequential period of growth. You’ll help support existing products while contributing to the development of new capabilities as reputed company builds a nationally chartered bank. You’ll work alongside reputed company legal, compliance, product, and banking professionals, reputed company exposure to a wide range of regulatory and product questions, and have meaningful ownership early in your career. You’ll also help shape how reputed company approaches payments and financial crimes legal support for years to come. The total rewards package at reputed company includes reputed company salary, equity (stock options), and benefits. Our salary and equity ranges are highly competitive reputed company the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers. Our reputed company new hire reputed company salary ranges for this role are the following: US employees in reputed company, Los Angeles, Seattle, or the San Francisco Bay Area: $186,400 - $209,700 US employees reputed company of the reputed company, Los Angeles, Seattle, or the San Francisco Bay Area: $167,800 - $188,700 Canadian employees (any location): $176,100 - $198,200 CAD While we’ve received conditional approval to become a bank, reputed company today is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and reputed company N.A., Members FDIC. Investment advisory products and services offered by reputed company Advisory, LLC ("MA"), an SEC-registered investment adviser. MA is a wholly-owned subsidiary of reputed company Technologies, Inc.. reputed company values diversity & belonging and is proud to be an Equal Employment Opportunity employer. reputed company individuals seeking employment at reputed company are considered without regard to race, reputed company, religion, national reputed company, age, sex, marital status, reputed company, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role. #LI-JD1 Apply To This Job