Lending Regulatory Counsel

About the role

The Block US Regulatory Team advises on consumer and commercial lending, bank partnership arrangements, and regulatory relationships with various federal and state regulators. The team provides legal and regulatory advice to ensure compliance with laws and maintains strong relationships with regulators.

Responsibilities

• Provide legal and regulatory advice on products to members of the Counsel team and business partners on lending regulations, including Reg Z, Reg B, Fair Lending, and state lending licensing regulations
• Act as a subject matter expert for and advise on legal, regulatory, and industry requirements for consumer and commercial lending, bank partnership arrangements, model risk management, and related financial services activities
• Lead resolution of complex, cross-functional regulatory and bank partnership issues, exercising independent judgment in evaluating risk, trade-offs, and escalation paths
• Serve as a trusted advisor to senior business, product, compliance, and bank partner stakeholders, translating legal and regulatory risk into clear, actionable guidance
• Summarize and analyze the impact of new and evolving rules and regulations, and proactively flag implications for the business
• Provide legal support and strategic input on emerging and novel consumer financial products, helping shape product development from concept through launch

Requirements

• 8+ years of experience at a law firm (with lending advisory experience), a financial services regulatory agency, in a bank partnership role, or in-house
• Substantive experience with lending and bank partnership issues/relationships
• Demonstrated ability to independently lead and drive complex legal and regulatory issues to resolution
• Experience engaging directly with senior stakeholders across legal, compliance, product, and business teams
• Experience with emerging or novel consumer financial products preferred
• Fair lending experience a plus
• Experience with FinTech, lending, and bank partnership relationships; experience at a tech company or in fintech preferred
• High degree of comfort and fluency with technology, and understanding of how technology is applied to business and regulatory problems

Qualifications

• JD and an active membership and good standing with the Bar of resident state and/or the California Bar or New York Bar

Skills

• Strong legal and regulatory knowledge
• Excellent communication and interpersonal skills
• Ability to work independently and manage multiple projects simultaneously
• Experience with regulatory compliance and risk management
• Understanding of financial services and banking regulations

Benefits

Block offers competitive compensation, comprehensive health and wellness programs, retirement savings plans, and opportunities for professional growth and development. Block also provides a range of benefits to support work-life balance, including remote work options, flexible time off, and family planning support.

Pay

Starting pay range: $217,800—$326,800 USD (Zone A)

Schedule

Remote work is offered. Flexible work schedule is available.