Product Counsel

Responsibilities

• Serve as the go-to legal advisor for day-to-day questions from product and engineering teams on new features affecting disclosures, data sharing, or customer experience.
• Draft, review, and maintain consumer-facing agreements, online terms, and regulatory notices.
• Review marketing campaigns for legal compliance, including offer T&Cs, promotional disclosures, sweepstakes rules.
• Advise on card network rules (Visa, Mastercard, Amex) and their application to transaction processing, dispute resolution, and product design.
• Provide practical legal guidance on payments-related questions, including settlement, payment processing, and funds flow architecture.
• Coordinate with Compliance on regulatory interpretation, monitoring, and exam preparation.
• Support the Associate General Counsel on escalated complaints, regulatory inquiries, and bank partner matters.
• Participate in product reviews, sprint planning, and design sessions to surface legal considerations early.
• Translate complex legal and regulatory requirements into clear, actionable guidance for cross-functional partners.

Requirements

• J.D. from an accredited law school and active membership in good standing with at least one U.S. state bar.
• 4–6 years of legal experience with a financial services background (credit card experience ideal; consumer deposit/lending, digital banking, payments, or fintech strongly considered).
• Familiarity with federal consumer finance regulations (TILA/Reg Z, ECOA/Reg B, EFTA/Reg E, FCRA, UDAAP, CAN-SPAM, TCPA) and their practical application to product and marketing.
• Experience drafting and reviewing consumer-facing agreements, disclosures, and marketing materials.
• Ability to work autonomously, own work end-to-end, manage competing priorities, and deliver clear legal guidance under tight timelines.
• Strong communicator who builds relationships across teams and explains legal concepts clearly to technical and business audiences.
• Willingness to research independently and verify findings with senior team members.

Nice-to-Haves

• Experience at a fintech, neobank, payments company, or as outside counsel advising financial services clients.
• Working knowledge of Visa and/or Mastercard network rules.
• Familiarity with data privacy frameworks (CCPA, GLBA) and their intersection with product design.
• Experience in sponsor bank, banking-as-a-service, or fintech partnership environments.
• Experience working in a ticketing or project management system (e.g., Linear, Jira, Asana).
• Experience supporting compliance and data privacy in a startup or high-growth environment.
• Comfort with legal technology, AI-assisted workflows, and process automation.

Compensation & Benefits

• Competitive compensation and equity packages (base salary $200,000 - $250,000).
• Flexible paid time off.
• Fully covered high-quality healthcare, including dependent coverage.
• Access to One Medical and option to enroll in an FSA.
• 20 weeks of paid parental leave for primary caregiver and 8 weeks for all new parents.
• Access to industry-leading technology.