Product Counsel AI and Financial Services

We need to output HTML fragment with sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real content. We need to parse the job posting. First, there is an "About Cloaked" intro - that's not a section heading per rules; we can ignore or maybe include as prose? The instruction: "Do NOT repeat the job title as a heading (the page already shows it) and do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short

or drop it." The "About Cloaked" is not a required heading; we could include as a

before sections? The instruction says output only HTML fragment; we can include a

for the company description if we want, but not required. Probably better to include it as a

before sections. Then "About The Role" heading: that maps to "About the role" section. We'll use

About the role

and then content. Then "What you'll do" -> Responsibilities. Then "Who you are" maybe Qualifications? Actually "Who you are" describes personal traits; could be part of Qualifications or Skills. We'll treat as Qualifications? The instruction: Use headings for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. So we need to map. We have "What Skills And Experience Will Help You" -> Skills (maybe also Requirements). We'll separate: Requirements could be the baseline (J.D., bar admission, years experience). Skills could be the list of abilities. We have "What we offer" -> Benefits (and maybe Pay). Then "Compensation And Benefits" includes Pay and Benefits. So we need Pay section with compensation range. Benefits section with list of benefits. Schedule: Not mentioned; we should not include Schedule unless present. Not present. Thus sections: About the role, Responsibilities, Qualifications, Skills, Benefits, Pay. We need to ensure we don't include empty sections. Now extract content. About the role: The paragraph after "About The Role": "Cloaked is hiring a Product Counsel to serve as a core legal partner to Product, Engineering, Compliance, and business teams as we build the next generation of AI-native privacy, identity, and financial-services products. This role will have particular ownership of Cloaked Pay and other regulated product surfaces, but the mandate is broader: embed with product teams, help shape products from concept through launch, and translate legal and regulatory requirements into practical product decisions. The core mandate is to operate as a product lawyer, not just a reviewer at the end of the process. You will understand how Cloaked products and AI-enabled features actually work, identify where the law is black, white, or gray, pressure-test compliance decisions, and give Product a practical path forward without sending every novel question to outside counsel. You will help translate financial-services, privacy, consumer-protection, and emerging AI requirements into product architecture, user experiences, disclosures, controls, and operating workflows. You will also support the commercial agreements that enable our products — including enterprise, partnership, vendor, AI/data, and payments agreements — and help structure relationships with banks, processors, model and infrastructure providers, and other strategic partners. Because this is a lean legal team, you will also have opportunities to take on adjacent corporate and general legal matters. Deep financial-services expertise remains important, but the strongest candidates will pair it with product counseling instincts and comfort navigating AI, privacy, and data issues." We'll put that in

. Responsibilities: Under "What you'll do": there are bullet-like paragraphs: "Product & AI Counseling", "Financial Services & Payments", "Commercial & Strategic Partnerships", "Corporate & General Legal". Each has description. We'll combine into a

• list. We need to preserve all substantive info; we can break each bullet into
• containing the heading and description. Let's extract: Product & AI Counseling: - Serve as embedded Product Counsel for Cloaked Pay and other AI-enabled privacy, identity, and financial-services products, partnering directly with Product, Engineering, Design, and Compliance from ideation through launch and ongoing operation. - Advise on new products and features where the legal or regulatory answer is not obvious, including AI-driven workflows, agentic experiences, automated decisioning, personalization, data use, and consumer-facing product claims; distinguish hard requirements from judgment calls and help the business make calibrated risk decisions. - Counsel on adjacent privacy, cybersecurity, AI governance, marketing, consumer-protection, and general business-law matters as needed in a small, fast-moving legal team. Financial Services & Payments: - Advise on consumer payments and credit-card regulatory requirements, including Regulation E, Regulation Z where applicable, GLBA, UDAAP/UDAP, FCRA, BSA/AML concepts, prepaid access and money-transmission considerations, Nacha requirements, and card-network rules. - Review and challenge financial-services compliance analyses and controls; help ensure regulatory requirements are accurately translated into product flows, disclosures, policies, procedures, and operational workflows. - Lead legal work across the Cloaked Pay ecosystem, including issuing-bank/BIN-sponsor relationships, program managers, processors, tokenization and network partners, cardholder terms and disclosures, funding and settlement structures, disputes, and related vendor arrangements. Commercial & Strategic Partnerships: - Own and negotiate product-enabling agreements, including enterprise and end-customer agreements, AI/model and data-provider agreements, MSAs, SOWs, order forms, DPAs, NDAs, procurement agreements, partnerships, technology integrations, and vendor contracts. - Partner with Product, Sales, Partnerships, and Engineering to move product launches and agreements forward efficiently while protecting the issues that materially matter to Cloaked. Corporate & General Legal: - Support corporate legal work as needed, including entity formations, corporate records and maintenance, filings, governance support, and coordination with outside corporate counsel. We'll put each as
• with maybe bold heading? Not required but we can keep the heading inside li. Now Qualifications: "Who you are" section includes traits: "You’re a product person who happens to be a lawyer — you want to understand how things actually work, not advise from the sidelinesYou’re energized by AI and emerging technology and excited to help shape what responsible innovation looks likeYou’re comfortable in the gray — you use judgment to find a responsible path forward when the law doesn’t provide a perfect answerYou give answers, not just analysis — you explain the risk, make a recommendation, and help the business moveYou have strong judgment and low ego — you know when to push, when to compromise, and when to bring in deeper expertise". That's more like personal attributes; could be Qualifications. We'll put as
  • each sentence. But also there is "What Skills And Experience Will Help You" which includes experience requirements: "Approximately 7–10 years of legal practice, with meaningful product-counseling experience and strong exposure to financial-services, payments, banking, credit-card, fintech, privacy, or AI-enabled technology products. J.D. from an accredited law school and active bar admission in good standing. Deep, hands-on consumer financial-services regulatory experience. You have applied the rules to live products and can translate them into practical product and compliance decisions. Strong payments or card experience — ideally involving card issuing, consumer credit, virtual cards, payment processing, sponsor-bank/program-manager relationships, or comparable payments infrastructure. Strong commercial contracting ability across enterprise, procurement, vendor, partnership, and technology agreements. You are comfortable owning negotiations rather than simply advising from the sidelines. Product-lawyer judgment: you can sit with product managers and engineers, understand a proposed feature or technical flow, identify legal issues early, and give a clear recommendation about how to build and launch responsibly. Comfort operating in a startup environment where Product and Engineering move quickly, the legal team is lean, and the right answer is often practical rather than academic." We could split: Requirements = baseline (J.D., bar admission, 7-10 years, deep hands-on consumer financial-services regulatory experience). Skills = the rest (product counseling, payments experience, commercial contracting, product-lawyer judgment, startup comfort). But the instruction says we can have both sections; we need to decide. We'll create Requirements section with: J.D., active bar admission, 7-10 years legal practice, meaningful product-counseling experience, deep hands-on consumer financial-services regulatory experience. Skills section with: Strong payments or card experience (card issuing, consumer credit, virtual cards, payment processing, sponsor-bank/program-manager relationships), Strong commercial contracting ability across enterprise, procurement, vendor, partnership, technology agreements, Product-lawyer judgment (ability to sit with PMs/engineers, understand feature, identify legal issues, give recommendation), Comfort operating in startup environment, Nice-to-have items maybe we can include as part of Skills? The "Nice to have" list could be included as Skills as well, but we could also put them under Skills as optional. However instruction: Prefer few substantive sections over many thin ones. We could combine Nice-to-have into Skills as bullet points. But we need to avoid filler like "commensurate with experience". Not present. Now Benefits: Under "What we offer" and "Compensation And Benefits". Benefits include: 401K, top of the line Health, Dental, Vision benefits, flexible work arrangements, ability to work remotely as needed, home office stipend, new company laptop (and other tech depending on role), Perks: Competitive PTO (minimum # per quarter), Monthly health stipend, Late Night Meals stipend, Professional Growth (unlimited professional development fund, conferences/events). Also mention office amenities: gourmet cafe, cocktail bar, rooftop work area, fully built out kitchen with drinks and snacks, team outings and socials. We'll list benefits in
    • . Pay: Compensation Range: $265K - $300K. Also mention "above market rate pay and equity based off of the market’s best commercially available data. Your compensation will be a combination of salary, bonus and equity." We'll include that. Schedule: Not present, omit. Now we need to output only HTML fragment, no markdown fences. We'll start with maybe a

      for About Cloaked description? Not required but could be included as intro. The instruction: "Do NOT repeat the job title as a heading (the page already shows it) and do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short

      or drop it." The About Cloaked is not a heading; we could include as a

      before sections. It's substantive. Let's include. Now craft HTML. Structure:

      About Cloaked ...

      About the role

      ...

      Responsibilities

      • Product & AI Counseling: ...
      ...

      Qualifications

      • You’re a product person who happens to be a lawyer — you want to understand how things actually work, not advise from the sidelines.
      • You’re energized by AI and emerging technology and excited to help shape what responsible innovation looks like.
      • You’re comfortable in the gray — you use judgment to find a responsible path forward when the law doesn’t provide a perfect answer.
      • You give answers, not just analysis — you explain the risk, make a recommendation, and help the business move.
      • You have strong judgment and low ego — you know when to push, when to compromise, and when to bring in deeper expertise.

      Requirements

      • J.D. from an accredited law school and active bar admission in good standing.
      • Approximately 7–10 years of legal practice.
      • Meaningful product‑counseling experience.
      • Deep, hands‑on consumer financial‑services regulatory experience (applied the rules to live products and can translate them into practical product and compliance decisions).