# Product Counsel, Payments

**Company:** [Plaid](https://hotfix.jobs/companies/plaid)
**Location:** Remote
**Role:** Legal
**Salary:** $160k – $250k/yr
**Experience:** 6+ years
**Skills:** Nacha Rules, Bsa/Aml, Reg E, Udaap, Third Party Sender, Money Transmission Laws, Rtp Network Rules, Payment Card Network Rules, Glba, Commercial Agreements
**Posted:** 2026-05-14

> 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.

## Job Description

## 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

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