Sr. Counsel, Digital Assets

About the role

We are seeking an experienced Sr. Product Counsel to serve as a trusted advisor to help shape the future of payments. This role serves as the go-to subject matter expert responsible for advising the business on cutting-edge, innovative and first-of-their-kind payment solutions.

Responsibilities

• Serve as first-line legal counsel to the product team on all legal matters arising in the business unit
• Interpret and apply U.S. and international legal and regulatory frameworks and requirements applicable to payments, digital assets, blockchain, bank regulatory, and privacy including the GENIUS Act, the National Bank Act, Bank Secrecy Act (BSA), OFAC/sanctions compliance, EFTA/Reg E, UCC, UDAAP/UDAP, GLBA/Reg. P and evolving stablecoin and digital asset regulations
• Guide business partners in the launch, experimentation, and scaling of innovative cross-border payment and digital asset solutions through commercially pragmatic, risk-calibrated legal guidance
• Advise on evolving stablecoin and digital assets regulations
• Support the Product and Contracts teams in the drafting and negotiation of commercial agreements
• Partner closely with product, compliance, risk, and strategy teams to structure emerging payment, stablecoin, and blockchain solutions within evolving regulatory and network frameworks
• Draft, review and approve clear and concise public facing disclosures, disclaimers, terms of use or other public facing documents pertinent to the products
• Absess legal and regulatory ambiguity and develop practical, innovation-enabling frameworks, policies, and guardrails for new products, corridors, settlement models, and payment rails
• Advises clients both on individual customer contract issues and in designing contract language that supports business objectives
• Advise on cross-border and international payment regulatory considerations, including digital assets, consumer disclosures, sanctions compliance, foreign exchange considerations, and settlement frameworks
• Draft, review and negotiate a variety of complex commercial relationships supporting the business unit objectives, including strategic partner, sales and supplier agreements
• As department expert on specialized product or legal issues in the context of contract negotiations, audits, litigation, regulatory exams and other legal proceedings
• Assess legislative or regulatory developments with actual or potential impact on key product initiatives and strategies and partner with the business team to identify and implement related policies, standards, processes and practices
• Liaison with other Legal and Compliance department personnel to provide seamless support to the business unit
• Manage and supervise outside counsel as needed
• May manage and supervise lower-level attorneys and/or other legal personnel
• Assist with corporate governance functions
• Support the company’s commitment to risk management and protecting the integrity and confidentiality of systems and data

Requirements

• Juris Doctor from an accredited law school; admission to Arizona or another State bar
• Eight or more years’ of in-house or corporate counsel experience, with strong background advising financial institutions or financial services companies on compliance with consumer financial services and privacy laws and regulations
• Significant expertise and relevant experience advising financial services industry market participants regarding compliance with anti-money laundering, sanctions, data privacy, and consumer protection regulations including, for example, Bank Secrecy Act, FinCEN guidelines, FATF recommendations, OFAC sanctions, GLBA, CCPA, GDPR, Regulation E, CFPA/UDAAP, and FTC Act
• Demonstrated experience advising on emerging or evolving regulatory frameworks in payments, cross-border money movement, digital assets, blockchain technology, or related financial infrastructure
• Experience supporting innovative or first-to-market financial products or payment systems in fast-evolving and ambiguous regulatory environments
• Strong business and product acumen, including the ability to balance innovation, regulatory risk, operational realities, and strategic business objectives
• Demonstrated ability to make risk-based decisions and develop practical paths forward with imperfect or evolving regulatory guidance
• Ability to understand and be responsive to the business’s needs and partner cross-functionally throughout the organization to achieve results while mitigating risk
• Strong presentation skills and excellent written and verbal communication skills
• Strong interpersonal and collaborative skills to build partnerships and alliances internally and with external partners at all levels of the organization
• Demonstrated ability to make real-time decisions with imperfect information
• Comprehend and communicate complex law and regulation and judicial and regulatory interpretations of law and regulations to internal clients at all levels of the organization
• Organized with ability to prioritize multiple tasks and achieve objectives in a fast-paced environment
• Prior experience effectively managing outside legal resources
• Unyielding commitment to highest professional ethics
• Ability to maintain professional licensing and memberships in appropriate professional organizations

Qualifications

• Minimum qualifications: Juris Doctor from an accredited law school; admission to Arizona or another State bar; Eight or more years’ of in-house or corporate counsel experience, with strong background advising financial institutions or financial services companies on compliance with consumer financial services and privacy laws and regulations; Significant expertise and relevant experience advising financial services industry market participants regarding compliance with anti-money laundering, sanctions, data privacy, and consumer protection regulations including, for example, Bank Secrecy Act, FinCEN guidelines, FATF recommendations, OFAC sanctions, GLBA, CCPA, GDPR, Regulation E, CFPA/UDAAP, and FTC Act; Demonstrated experience advising on emerging or evolving regulatory frameworks in payments, cross-border money movement, digital assets, blockchain technology, or related financial infrastructure; Experience supporting innovative or first-to-market financial products or payment systems in fast-evolving and ambiguous regulatory environments; Strong business and product acumen, including the ability to balance innovation, regulatory risk, operational realities, and strategic business objectives; Demonstrated ability to make risk-based decisions and develop practical paths forward with imperfect or evolving regulatory guidance; Ability to understand and be responsive to the business’s needs and partner cross-functionally throughout the organization to achieve results while mitigating risk; Strong presentation skills and excellent written and verbal communication skills; Strong interpersonal and collaborative skills to build partnerships and alliances internally and with external partners at all levels of the organization; Demonstrated ability to make real-time decisions with imperfect information; Comprehend and communicate complex law and regulation and judicial and regulatory interpretations of law and regulations to internal clients at all levels of the organization; Organized with ability to prioritize multiple tasks and achieve objectives in a fast-paced environment; Prior experience effectively managing outside legal resources; Unyielding commitment to highest professional ethics; Ability to maintain professional licensing and memberships in appropriate professional organizations

Skills

• Expertise or working knowledge of international law applicable to payments
• Knowledge of/experience with foreign corridor digital asset and payments, privacy, anti-money laundering and economic sanctions regulations/frameworks
• Experience working with and representing clients before foreign bank prudential and consumer protection regulators
• Experience with stablecoin issuance, tokenized deposits, blockchain-enabled payment systems, wallet ecosystems, or crypto-native financial infrastructure
• Experience supporting cross-border payment products across multiple jurisdictions, corridors, or regulatory regimes
• Familiarity with evolving global regulatory frameworks and supervisory approaches related to digital assets and stablecoins

Benefits

• Healthcare Coverage – Competitive medical (PPO/HDHP), dental, and vision plans as well as company contributions to your Health Savings Account (HSA) or pre-tax savings through flexible spending accounts (FSA) for commuting, health & dependent care expenses
• 401(k) Retirement Plan – Featuring a 100% Company Safe Harbor Match on your first 6% deferral immediately upon eligibility
• Paid Time Off – Flexible Time Off for Exempt (salaried) employees, as well as generous PTO for Non-Exempt (hourly) employees, plus 11 paid company holidays and a paid volunteer day
• 12 weeks of Paid Parental Leave Maven Family Planning – provides support through your Parenting journey including egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and returning to work
• And SO much more!