The Opportunity

We are seeking an experienced, commercially minded attorney to lead the legal structuring and execution of strategic bank-fintech partnerships. This is a high-impact, end-to-end role for a lawyer who wants to operate at the intersection of banking, payments, lending, product innovation, and complex commercial transactions.

You will own partnerships from the earliest product and commercial discussions through contract execution, product development, launch, and ongoing expansion. Rather than operating within narrow product, regulatory, or commercial silos, you will serve as the central legal partner across the full partnership lifecycle.

Working closely with Go-to-Market, Product, Engineering, Finance, Risk, and Compliance, you will help design and deliver sophisticated financial products for fintech partners and their customers. The product suite spans deposit accounts, payments, cards, lending, loan participations, and other banking infrastructure products supporting both consumer and commercial use cases.

This role offers meaningful exposure to senior leadership, regular engagement with external partners, and the opportunity to solve novel legal and regulatory problems in a fast-moving environment. The successful candidate will bring strong judgment, creativity, commercial pragmatism, and the ability to move quickly without compromising legal or regulatory standards.

This role reports directly to the General Counsel.

Key Responsibilities

Structure strategic bank-fintech partnerships

Lead the legal work required to structure, negotiate, launch, and expand complex bank-fintech partnerships across payments, cards, deposit accounts, lending, and related financial products.
Advise on consumer and commercial lending products, lines of credit, bank accounts, domestic and international card issuance, multi-currency wallets, earned wage access, buy-now-pay-later programs, loan participations, and complex money-movement arrangements.
Partner with commercial, product, engineering, risk, and compliance teams to evaluate and implement new financial-product opportunities.
Design legal and regulatory structures that enable product innovation while appropriately managing risk.

Own agreements end to end

Independently structure, draft, negotiate, and manage sophisticated partnership, customer, vendor, program, servicing, and other commercial agreements.
Translate commercial objectives, product requirements, regulatory obligations, and operational realities into clear, scalable legal documentation.
Develop and maintain templates, playbooks, disclosure packages, and repeatable contracting frameworks that accelerate partnership launches.

Advise on product development and launches

Serve as a strategic legal adviser from product ideation through launch and expansion.
Advise on customer onboarding, application flows, account-opening requirements, consumer disclosures, customer-facing terms, marketing materials, and product communications.
Work closely with engineering teams to understand and help design flow-of-funds models, product operations, and control frameworks.
Identify legal, regulatory, and execution risks early, then develop practical solutions that allow the business to proceed responsibly.

Lead regulatory analysis

Provide practical, business-oriented advice on the regulatory framework governing bank-fintech partnerships and financial products.
Advise on matters involving BSA/AML, NACHA rules, money-transmission considerations, TILA, Regulation Z, Regulation E, ECOA, UDAAP, FCRA, state lending and licensing requirements, usury, federal preemption, true-lender risk, and the evolving earned wage access landscape.
Partner with Risk and Compliance to develop scalable policies, controls, and operating models that support growth while maintaining a strong control environment.
Monitor regulatory developments and translate them into clear guidance for business, product, and leadership stakeholders.

Build scalable legal operations

Improve legal processes supporting partner onboarding, product launches, contracting, and ongoing partnership management.
Create practical frameworks that enable the legal function to support a growing volume of complex transactions without sacrificing quality or speed.
Identify opportunities to improve workflow efficiency through technology, automation, AI tools, and legal-operations support.
Collaborate with technical teams to develop internal legal tooling and processes that create a sustainable operational advantage.

Candidate Profile

J.D. or equivalent and an active license to practice law in at least one U.S. jurisdiction.
Approximately 7–15+ years of relevant legal experience.
Combination of leading law-firm experience and in-house experience at a fintech, bank, payments company, lending platform, financial institution, or similarly regulated business strongly preferred.
Deep experience advising product, commercial, and business teams on banking infrastructure, embedded finance, payments, cards, lending, and/or related financial-services products.
Demonstrated experience structuring and negotiating complex bank-fintech, fintech-vendor, or financial-services partnership agreements.
Strong understanding of the legal and regulatory framework applicable to bank partnerships, consumer and commercial financial products, payments, cards, lending, and financial crime compliance.
Experience with lending-program structures, including loan origination, servicing, sales, participations, and related arrangements, is highly valuable.
Familiarity with cross-border money movement, international payment rails, multi-currency products, and wallet structures is a plus.
Exceptional drafting and negotiation skills, with the ability to independently manage sophisticated commercial transactions.
Ability to handle a high-volume, cross-functional workload while maintaining sound judgment, responsiveness, and attention to detail.
Comfort making well-reasoned decisions in evolving or ambiguous legal and regulatory environments.
A practical, entrepreneurial mindset and genuine interest in building innovative financial products at scale.

Compensation

The compensation package includes base salary, equity, and a comprehensive benefits offering. Compensation will be determined based on relevant experience, expertise, geographic location, and internal equity considerations.

Base salary range: $210,000–$300,000, plus equity.

Benefits

Comprehensive medical, dental, and vision coverage, including employer-paid options for employees and dependents.
Family-planning and fertility benefits.
FSA and HSA options.
401(k) plan, including self-directed brokerage access.
Flexible paid-time-off policy.
Paid parental leave.
Commuter benefits.
Team events and annual offsite opportunities.
Office-based meal benefits where applicable.

This version removes all client-identifying references while retaining the seniority, technical scope, regulatory depth, compensation range, and core attraction of the role.