Payments & Privacy Counsel advising on compliance with U.S. and EU payments regulations. Collaborating across business functions in fintech to ensure regulatory adherence.
Responsibilities
Advise on U.S. and EU payments regulations, including state money transmission laws, federal banking regulations, PSD2/PSD3, EMD2, e-money licensing, card network rules, and virtual asset frameworks.
Partner with Compliance and Licensing teams on MTL applications, international licenses, and ongoing obligations.
Draft card holder agreements across multiple jurisdictions
Draft, review, and negotiate commercial agreements with banks, payment processors, card networks, and vendors.
Provide practical guidance on consumer protection and data privacy requirements, including GDPR, US state privacy laws (CCPA/CPRA), and cross-border data transfer frameworks.
Manage relationships with outside counsel on specialized regulatory or jurisdictional issues.
Assist with responses to regulators and participate in audits, exams, and inquiries.
Stay ahead of regulatory changes affecting payments, crypto, and fintech; help shape internal strategy and external engagement.
Requirements
JD from a top level law program. Preference for US trained lawyers but international JDs will be considered
At least 5–8 years of legal experience, focused on payments, fintech, financial services regulation, or related areas.
Strong understanding of US and EU payments regulations, including state MTLs, Durbin Amendment, Regulation E, PSD2/PSD3, EMD2, EMI licensing, and card network rules.
Experience advising on commercial contracts and regulatory issues for fintech or payments companies.
Excellent written and verbal communication skills; able to translate complex regulation into clear business advice.
Collaborative, business-oriented mindset; comfortable working across multiple teams and time zones.
Demonstrated experience with GDPR, data protection frameworks, and privacy compliance; digital assets/crypto regulatory experience (e.g., VASP regimes, MiCA) also valued.
Bonus: Prior in-house experience at a fintech, payments company, or financial regulator.
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