Associate General Counsel

Primary Responsibilities

• Advises on legal and regulatory requirements applicable to payment products (credit, debit, prepaid, virtual cards, wallets, and account-based payments)
• Interprets and applies key frameworks, including: Reg E, Reg Z, UDAP/UDAAP, BSA/AML, Card network rules, Money transmission rules
• Provides real-time guidance to product and business teams on feature design, disclosures, and risk mitigation
• Drafts, reviews, and negotiates complex agreements, including: Issuer/processor agreements, Program manager/fintech partner agreements, Merchant/acquirer agreements, BIN sponsorship arrangements
• Structures revenue models (interchange sharing, fees, incentives) with legal and regulatory considerations in mind
• Identifies legal and regulatory risks associated with new and existing payment programs
• Pairs with compliance and risk teams to implement appropriate controls
• Supports audits, regulatory inquiries, and internal governance processes
• Advise on go-to-market strategies and product expansion initiatives
• Supports partnerships, vendor arrangements, and strategic transactions
• Provides business-oriented, practical legal solutions aligned with company risk tolerance

Required Qualifications

• Juris Doctorate degree and active license to practice law
• 5+ years of relevant experience at a law firm, financial institution, or fintech company
• Demonstrated experience with payments, card programs, or financial services regulation
• Knowledge of the key legal and regulatory frameworks applicable to the payments space, such as Reg E, Reg Z, UDAP/UDAAP, BSA/AML, card network and money transmission rules
• Experience drafting, reviewing, and negotiating complex agreements, providing strategic legal guidance to support business objectives and mitigate risk
• Proven ability to build and maintain rapport with colleagues and external company contacts
• Proven ability to independently make decisions regarding complex legal and corporate issues

Preferred Qualifications

• Deep familiarity with: Card network rules and operating regulations, Issuer/processor/program manager ecosystem, Embedded finance and fintech partnerships
• Experience advising on: Reg E/Reg Z applicability and product structuring, BaaS (Banking-as-a-Service) or sponsor bank models, Commercial negotiations in high-growth or technology environments
• All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy.