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PlaidPlaidSan Francisco, CA

Product Counsel, Payments

Provides legal advice on payments laws, fintech compliance, and consumer protection for product development. Collaborates with cross-functional teams to integrate regulatory requirements and mitigate risks in open banking products. Requires JD and 6+ years in payments-focused legal roles.

160k – 250k/yr
Remote6+ YOELegal

About the role

Responsibilities

  • Provide expert legal advice and guidance on matters related to fintech payments and consumer protection activities
  • Collaborate with cross-functional teams, including product, engineering, compliance, and product marketing to integrate legal considerations into the product lifecycle
  • Assist go-to-market and commercial counsel in deals, ensuring legal compliance and mitigating potential risks
  • Stay abreast of changes in relevant laws and regulations, and ensure proactive adjustments to company policies and procedures
  • Draft and review legal documents and disclosures related to consumer reporting and data protection
  • Work closely with external legal counsel when necessary and represent the company in regulatory discussions

Qualifications

  • Juris Doctor (JD) degree from an accredited law school with an active license to practice law
  • 6-8+ years of legal experience
  • Strong familiarity with some combination of: Nacha operating rules, BSA/AML regulations, Reg E and other consumer protection laws (e.g. UDAAP), Third Party Sender requirements, Money Transmission Laws, RTP Network Rules, and Payment Card Network rules
  • Strong understanding of data protection and privacy laws, including GLBA
  • Experience negotiating, advising on, and managing the risks of complex commercial agreements with partner banks, payment processing vendors, and other payments-related service providers
  • Creative thinking about interpreting and applying the law in unsettled contexts

Skills

Nacha RulesBsa/AmlReg EUdaapThird Party SenderMoney Transmission LawsRtp Network RulesPayment Card Network RulesGlbaCommercial Agreements

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