Payments & Privacy Counsel

Skills

About the Role

You will advise on U.S. and EU payments regulations and privacy requirements, draft and negotiate commercial and cardholder agreements, partner with Compliance and Licensing on licensing applications and obligations, manage outside counsel, respond to regulators and participate in audits, and monitor regulatory changes to inform strategy.

Requirements

• JD from a top level law program (US trained lawyers preferred; international JDs considered)
• 5–8 years of legal experience focused on payments, fintech, or financial services regulation
• Strong understanding of US and EU payments regulations including state MTLs, Durbin Amendment, Regulation E, PSD2/PSD3, EMD2, EMI licensing, and card network rules
• Experience advising on commercial contracts and regulatory issues for fintech or payments companies
• Demonstrated experience with GDPR, data protection frameworks, and privacy compliance
• Experience with digital assets and crypto regulatory regimes (e.g., VASP regimes, MiCA) valued
• Excellent written and verbal communication skills and ability to translate complex regulation into clear business advice

Responsibilities

• Advise on U.S. and EU payments regulations, including state money transmission laws, federal banking regulations, PSD2/PSD3, EMD2, e-money licensing, card network rules, and virtual asset frameworks
• Partner with Compliance and Licensing teams on MTL applications, international licenses, and ongoing obligations
• Draft cardholder agreements across multiple jurisdictions
• Draft, review, and negotiate commercial agreements with banks, payment processors, card networks, and vendors
• Provide guidance on consumer protection and data privacy requirements, including GDPR, CCPA/CPRA, and cross-border data transfer frameworks
• Manage relationships with outside counsel on specialized regulatory or jurisdictional issues
• Assist with responses to regulators and participate in audits, exams, and inquiries
• Monitor regulatory changes affecting payments, crypto, and fintech and help shape internal regulatory strategy

Benefits

• Unlimited time off (minimum 10 days required)
• Flexible working and stipend to set up a home workspace
• Comprehensive health, dental, and vision plans for US employees and dependents
• 100% company subsidized life insurance
• 401(k) with 4% company match
• Equity option plan
• Company issued cards for product testing
• Eligible health and wellness spending using company card
• Team and company offsite summits (domestic and international)