Regulatory Product Counsel

We need to output HTML fragment with sections: About the role? Actually the posting includes "About Lead Bank" and "Legal Team at Lead" and "Role Description". We need to use

for section headings like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must not repeat job title as heading. We need to include sections only when posting has real specific content. We need to preserve all substantive info, no boilerplate. We need to decide which sections to include: About the role (maybe from "Role Description" and "Legal Team at Lead"? Actually "About Lead Bank" is company description, not role. Could be "About the role" heading for role description. We'll include "About the role" with content from "Legal Team at Lead" and "Role Description"? Might be better to separate: "About Lead Bank" is not a required heading; we could put it under "About the role"? The instruction: use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can choose any of those headings that match content. We have content about responsibilities (the bullet list under "In This Role You Will"). We have qualifications (list). We have skills (maybe part of qualifications). We have benefits (What We Offer). We have pay (compensation ranges). We have schedule? Not mentioned. So we should not include Schedule. We need to avoid filler like "commensurate with experience". Not present. We need to remove boilerplate: EEO, equal opportunity, scam warning, etc. Also remove "Our compensation reflects the cost of labor..." maybe keep pay ranges but remove explanatory text? The instruction: preserve ALL substantive information; do NOT invent or summarize away detail. So we need to keep the pay ranges and zones. The explanatory sentence about compensation reflecting cost of labor etc is substantive? It's describing how pay is determined; could be considered substantive. Might keep it. But we need to avoid filler like "may vary depending on geographical market location, job-related knowledge, skills, and experience." That's also substantive. We'll keep. We need to output only HTML fragment, no markdown fences. Let's structure:

About the role

Lead Bank is a banking infrastructure platform trusted by innovative companies to power complex financial products... (maybe combine About Lead Bank and Legal Team at Lead). But we need to preserve all substantive info; we can't omit details. So we need to include the company description and legal team description. Could be under About the role. Then responsibilities:

Responsibilities

with

• each bullet from "In This Role You Will". Need to keep each sentence as separate li. Then qualifications:

  Qualifications

  with
  • each bullet from Qualifications list. Then skills? The qualifications list includes many skill-like items; we could treat them as Skills section. But we already have Qualifications. Could also have Skills separate for items like "Payment systems: Familiarity..." etc. Those are under Qualifications as well. Might be better to have Skills section for those specific familiarities. However we need to avoid thin sections. Could combine them under Qualifications. Benefits:

    Benefits

    with
    • each bullet from "What We Offer". Need to list: Competitive compensation based on experience, geographic location, and role; Medical, dental, vision, life, 401k matching, and other wellness benefits; Flexible vacation policy; A challenging and fulfilling opportunity to join an extremely experienced team in fintech; A fun team environment where your career will be supported. Pay:

      Pay

      with

      containing the compensation ranges and zones. Could also include the sentence about compensation reflecting cost of labor etc. We must not include Schedule. We must not include Job ID etc. We must not repeat job title as heading. We must not include boilerplate like EEO statements, fair chance ordinance, etc. Remove those. Now craft HTML. Let's extract text. About Lead Bank paragraph: "About Lead Bank Lead is a banking infrastructure platform trusted by the most innovative companies to power complex financial products. We enable fintechs to offer compliant, programmable services like payments, lending, and digital assets at scale. Banking has moved beyond traditional institutions and is now embedded directly into everyday experiences, meaning companies need modern infrastructure that is safe, secure, and operationally sound. Today, Lead is one of the only API-first, developer-focused partner banks with the financial, regulatory, and legal expertise required to help fintechs succeed. We operate offices in San Francisco, Sunnyvale, and New York City, and an FDIC-insured bank in Kansas City." Legal Team at Lead paragraph: "Legal Team at Lead Lead’s Legal team offers professionals the opportunity to work across nearly every part of the business, from contracts to overseeing regulatory change in a developing environment. Team members are both highly autonomous and deeply collaborative. And because Legal partners with every department, they are enabled to build broad context, create meaningful impact, and help shape big company decisions. It’s a strong fit for anyone craving diverse assignments, significant ownership of their work, and a strong team culture." We can combine these under About the role. Now Responsibilities bullet list: - Provide legal and regulatory guidance for the Bank’s BaaS initiatives, including federal and state consumer lending and payments laws and regulations (TILA, ECOA, EFTA, FCRA, etc.), as well as privacy and information security. - Provide legal and regulatory guidance to clients and internal teams for the Bank’s Payments initiatives, including federal and state consumer payments laws and regulations (EFTA, NACHA, GLBA, UDAAP, crypto, money transmission licensing, card network rules, etc.) - Advise cross-functional teams on the application of consumer financial laws and related regulatory requirements in fintech environments, including consumer and commercial lending, deposit, payments, and hybrid products. - Assess how product changes affect legal risk, operational controls, partner obligations, and required stakeholder approvals. - Track legal and regulatory developments that may affect Lead’s BaaS and payments programs and help translate those developments into practical internal guidance. - Help build scalable review processes, playbooks, and documentation that improve consistency and efficiency across the legal function. - Perform other duties as assigned. Qualifications list: - J.D. and active membership in good standing in at least one state bar. - Approximately 6+ years of relevant legal experience in banking, fintech, payments, consumer financial services, or a comparable regulatory practice. - Ability to understand, interpret, and apply banking and payments laws to novel products, partner models, and technology-enabled services. - Experience reviewing or advising on consumer-facing product terms, disclosures, policies, or workflows. - Strong legal judgment, analytical rigor, and comfort balancing legal, regulatory, operational, and business considerations. - Strong communication skills and the ability to work cross-functionally with legal and non-legal stakeholders. - Practical, collaborative approach and willingness to build processes in a fast-moving environment. - Comfort leveraging AI tools to increase productivity and accuracy - Intellectual curiosity, ownership mentality, and comfort operating in an environment where structures continue to evolve. - Payment systems: Familiarity with operational and disclosure mechanics around how money movement products work including ACH, wires, card rails, FedNow, RTP preferred. - Stablecoins/Crypto: Familiarity with stablecoin- or crypto-enabled payment programs preferred. - Prepaid products: Familiarity with prepaid account and prepaid debit-card programs, including customer agreements, disclosures, error-resolution rights, and funds access preferred. Benefits list: - Competitive compensation based on experience, geographic location, and role - Medical, dental, vision, life, 401k matching, and other wellness benefits - Flexible vacation policy - A challenging and fulfilling opportunity to join an extremely experienced team in fintech - A fun team environment where your career will be supported Pay info: "Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future. Zone 1: $176,000 - $200,000 (SF/Bay Area, NYC, Seattle) Zone 2: $166,000 - $195,000 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami) Zone 3: $150,000 - $180,000 (Other US Metros)" We'll put that in a

      . Now ensure we don't include any boilerplate like EEO statements etc. Remove those lines. Now produce HTML. We'll wrap sections in appropriate tags. Let's craft:

      About the role

      Lead Bank is a banking infrastructure platform trusted by the most innovative companies to power complex financial products. We enable fintechs to offer compliant, programmable services like payments, lending, and digital assets at scale. Banking has moved beyond traditional institutions and is now embedded directly into everyday experiences, meaning companies need modern infrastructure that is safe, secure, and operationally sound. Today, Lead is one of the only API-first, developer-focused partner banks with the financial, regulatory, and legal expertise required to help fintechs succeed. We operate offices in San Francisco, Sunnyvale, and New York City, and an FDIC-insured bank in Kansas City. Lead’s Legal team offers professionals the opportunity to work across nearly every part of the business, from contracts to overseeing regulatory change in a developing environment. Team members are both highly autonomous and deeply collaborative. And because Legal partners with every department, they are enabled to build broad context, create meaningful impact, and help shape big company decisions. It’s a strong fit for anyone craving diverse assignments, significant ownership of their work, and a strong team culture.

      Responsibilities

      • Provide legal and regulatory guidance for the Bank’s BaaS initiatives, including federal and state consumer lending and payments laws and regulations (TILA, ECOA, EFTA, FCRA, etc.), as well as privacy and information security.
      • Provide legal and regulatory guidance to clients and internal teams for the Bank’s Payments initiatives, including federal and state consumer payments laws and regulations (EFTA, NACHA, GLBA, UDAAP, crypto, money transmission licensing, card network rules, etc.)
      • Advise cross-functional teams on the application of consumer financial laws and related regulatory requirements in fintech environments, including consumer and commercial lending, deposit, payments, and hybrid products.
      • Assess how product changes affect legal risk, operational controls, partner obligations, and required stakeholder approvals.
      • Track legal and regulatory developments that may affect Lead’s BaaS and payments programs and help translate those developments into practical internal guidance.
      • Help build scalable review processes, playbooks, and documentation that improve consistency and efficiency across the legal function.
      • Perform other duties as assigned.

      Qualifications

      • J.D. and active membership in good standing in at least one state bar.
      • Approximately 6+ years of relevant legal experience in banking, fintech, payments, consumer financial services, or a comparable regulatory practice.
      • Ability to understand, interpret, and apply banking and payments laws to novel products, partner models, and technology-enabled services.
      • Experience reviewing or advising on consumer-facing product terms, disclosures, policies, or workflows.
      • Strong legal judgment, analytical rigor, and comfort balancing legal, regulatory, operational, and business considerations.
      • Strong communication skills and the ability to work cross-functionally with legal and non-legal stakeholders.
      • Practical, collaborative approach and willingness to build processes in a fast-moving environment.
      • Comfort leveraging AI tools to increase productivity