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ColumnColumnSan Francisco, CA

Commercial Counsel

Drafts, negotiates, and structures complex commercial agreements for banking products and partnerships with fintechs, balancing commercial and regulatory needs. Collaborates with sales, risk, and compliance teams; 5+ years lawyer experience preferred in tech transactions or fintech.

200k – 250k
Hybrid5+ YOELegal

About the role

What you'll do

  • Own complex agreements end-to-end: Structure, draft, and negotiate complex customer, vendor, and third-party agreements covering a broad range of banking products and services, including agreements related to payments and money movement service and banking partnerships inclusive of deposit account, card, and lending programs.
  • Build and manage legal playbooks and templates that scale: Develop and maintain templates and inventories of contracts, terms of services, notices, and disclosures for the Bank's products, services, and distribution channels that enable speed without sacrificing quality.
  • Negotiate: Lead negotiations with high-growth fintechs and enterprise customers, balancing commercial priorities with regulatory requirements.
  • Develop strong cross-functional partnerships: Work closely with the Sales and Business teams to understand the Bank's goals, strategy, and risk tolerance for each deal in order to develop an efficient and risk-based contracting strategy.
  • Expand into additional areas of law: As the fourth member of our growing Legal team, you'll support each other with novel research, product and regulatory advice, exam management, subpoena responses, litigation deliverables, and corporate governance materials.
  • Help us level up how Legal operates: Serve as a thought partner to the business and legal to support Column's ongoing growth through improvements to bank agreements, policies, and legal processes.

What you'll need to be successful

  • 5+ years as a practicing lawyer; priority given to candidates with law firm experience in a technology transactions or fintech practice and/or in-house experience at a fintech or financial institution
  • Ability to independently draft and negotiate commercial agreements, with a strong understanding of both contract law and commercial transactions
  • Experience with complex commercial negotiations
  • Comfort with project management, deadlines, and juggling execution across multiple initiatives for multiple stakeholders

Nice to haves

  • Understanding of traditional commercial banking products and services including ACH and wire transactions, accounts, lending, cards, cash management, sweeps, and check issuance/deposit, among others
  • Experience in structured finance or with lending products
  • Understanding of money transmission

Compensation

  • Annual base salary range: $200,000 - $250,000 + equity

Skills

Commercial AgreementsContract LawFintech RegulationsBanking ProductsAchWire TransfersLending ProductsMoney TransmissionStructured FinanceProject Management

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