Fintech Payments Regulatory Counsel

Lead; San Francisco (CA); On-site; USD 150,000 - 200,000; Full time

Benefits offered by this job

Medical, dental, vision, life

401k matching

Flexible vacation policy

Inclusive culture

Job summary

Lead Bank is seeking a Regulatory Product Counsel to support its Banking-as-a-Service and payments businesses. The attorney will translate banking and payments regulation into actionable guidance for onboarding, product launches, expansions, and partner oversight.

The role partners with Product, Compliance, FinCrimes, Risk, and Operations to identify legal issues early and guide design decisions within Lead’s risk tolerance.

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.

Responsibilities

• Provide legal and regulatory guidance for the Bank’s BaaS initiatives, including federal and state consumer lending and payments laws and regulations.
• 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.
• Advise cross-functional teams on the application of consumer financial laws and related regulatory requirements in fintech environments.
• 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 translate developments into practical internal guidance.
• Help build scalable review processes, playbooks, and documentation across the legal function.

Skills

Legal expertise

Regulatory guidance

Cross-functional collaboration

Contract review

Consumer financial laws

AI tools

Education

J.D. in good standing

Tools

AI tools

Job description

Lead Bank is seeking a Regulatory Product Counsel to support its Banking-as-a-Service and payments businesses. The attorney will translate banking and payments regulation into actionable guidance for onboarding, product launches, expansions, and partner oversight.

The role partners with Product, Compliance, FinCrimes, Risk, and Operations to identify legal issues early and guide design decisions within Lead’s risk tolerance.