Product Counsel

Responsibilities

• Serve as the go-to legal advisor for day-to-day questions from the product and engineering teams on new features and builds that affect disclosures, data sharing, or the customer experience.
• Draft, review, and maintain consumer-facing agreements, online terms, and regulatory notices—working from established templates or helping build them.
• Review marketing campaigns for legal compliance, including offer T&Cs, promotional disclosures, sweepstakes rules, and modifications to approved templates.
• Advise on card network rules (Visa, Mastercard, Amex) and network agreements, and their application to transaction processing, dispute resolution, and product design.
• Provide practical legal guidance on payments-related questions, including settlement, payment processing, and funds flow architecture.
• Coincide with Compliance on regulatory interpretation, monitoring, and exam preparation.
• Support the Associate General Counsel on escalated complaints, regulatory inquiries, and bank partner matters.
• Participate in product reviews, sprint planning, and design sessions to surface legal considerations early in the development cycle.
• Translate complex legal and regulatory requirements into clear, actionable guidance for cross-functional partners.

Qualifications

• J.D. from an accredited law school and active membership in good standing with at least one U.S. state bar.
• 4–6 years of legal experience with a financial services background—credit card experience is ideal; consumer deposit or lending, digital banking, payments, or fintech is also strongly considered.
• Familiarity with federal consumer finance regulations (TILA/Reg Z, ECOA/Reg B, EFTA/Reg E, FCRA, UDAAP, CAN-SPAM, TCPA) and their practical application to product and marketing.
• Experience drafting and reviewing consumer-facing agreements, disclosures, and marketing materials.
• Demonstrated ability to work autonomously, own work end-to-end, manage competing priorities, and deliver clear legal guidance under tight timelines.
• Strong communicator who proactively updates stakeholders and builds relationships across teams—able to explain a legal risk to an engineer and a regulatory nuance to a CMO with equal clarity.
• Willingness to research independently and verify findings with senior team members.