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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 – 250kSan Francisco, CALegalHybrid5+ YOE
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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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