Credit Card Counsel

Responsibilities

• Serve as the embedded legal partner to engineering, product, and design teams building spend management software, including budgets, policies, approvals, and audit and controls.
• Provide pragmatic, actionable advice on requirements and best practices for existing and new spend management software features.
• Advise on the regulatory and commercial implications of product architecture, data flows, automation and AI features, integrations, and feature design.
• Help teams make sound build-versus-defer decisions.
• Advise cross-functional partners on credit, lending, card network, software, data privacy, and product regulatory questions.
• Advise on product and marketing collateral, customer communications, and disclosures for spend management software products.
• Draft, update, and maintain customer agreements, terms, disclosures, and feature-level terms.
• Support data handling, integration, and partner arrangements related to product launches.

Requirements

• 4+ years of experience in a combination of law firms and technology or fintech companies, ideally advising on credit card, lending, and commercial matters for regulated financial or technology products.
• Familiarity with federal, state, and international credit, lending, and card laws and regulations, including TILA/Regulation Z, ECOA/Regulation B, UDAP/UDAAP, card network rules, and required disclosures.
• Excellent written and verbal communication skills, including internal memos, guides, and presentations and external customer agreements, terms, disclosures, and communications.
• Ownership mentality and comfort working on complex matters requiring sound judgment.
• Entrepreneurial mindset and ability to work in a fast-paced environment.
• Law degree and admission to practice in at least one jurisdiction.
• Willingness to support other products and topics as a team player.

Nice-to-haves

• Prior in-house counsel experience at a scaling fintech, payments, or software company.
• Experience advising on AI and automation features.
• Experience negotiating or managing bank partner and card network relationships.
• Experience interacting directly with regulatory agencies.

Compensation

• Expected salary range: $220,000-$270,000 USD.
• Starting base pay depends on factors including location, skills, experience, market demands, and internal pay parity.
• Equity and other forms of compensation may be provided as part of the total compensation package.

Work Arrangement

• Hybrid role based in the New York City office.
• Minimum of three coordinated days in the office per week: Monday, Wednesday, and Thursday.