Fintech Regulatory & Contracts Attorney – Remote, Flexible

Advoco; United States; À distance; USD 193 000 - 241 000; Plein temps

Résumé du poste

Advoco is a fully remote, flexible-work firm serving early-stage fintechs. We seek a lawyer who enjoys rigorous research, clear writing, and leading contract negotiations.

You will handle federal/state fintech compliance questions, draft memos, and negotiate BaaS and vendor agreements with a focus on accuracy and business impact. Requirements include a JD and active US bar, 4–7 years in fintech/banking, and experience in negotiating complex contracts and licenses.

Qualifications

• JD and active bar admission in any US state, in good standing.
• 4-7 years of fintech, banking, or payments experience.
• Strong writing that is clear, concise, and readable by founders.
• Real contract negotiation experience, not just review.
• Working knowledge of EFTA/Reg E, UDAAP, BSA/AML, money transmission or lending licensing, card network rules.

Responsabilités

• Research regulatory and legal questions across federal and state fintech law
• Verify, pressure-test, and refine initial assessments, and tell me when I'm wrong
• Prepare memos, client advice, and analyses that are ready to send
• Draft, redline, and negotiate fintech agreements: BaaS and program agreements, vendor and processor contracts, MSAs, customer terms
• Lead negotiation calls with counterparties when needed
• Help build our research library, templates, and contract playbooks

Connaissances

Regulatory research

Contract negotiation

Legal writing

Client advisement

Fintech knowledge

Formation

JD degree (US) or bar admission

Outils

AI drafting tools

Description du poste

Work from anywhere. Set your own hours. Do sharp legal work for fintech founders.

About Advoco

Advoco is a fractional General Counsel and Chief Compliance Officer firm for early-stage fintech companies. We help founders launch products, secure bank partnerships, and build compliance programs that hold up to sponsor bank and regulator scrutiny. We're fully remote, built on flexible work, and growing faster than our capacity. This is our first attorney hire.

The role

This role is for a lawyer who loves the work itself: digging into a hard question, getting the answer right, and writing it up clearly.

Here's how it works.

I'll hand you a client question with my initial read. You research it, verify or challenge my assessment, and turn it into finished work product: a memo, client-ready advice, or a recommended path. You'll also own contract negotiations and redlines from first draft to signature.

Responsibilities

• Research regulatory and legal questions across federal and state fintech law
• Verify, pressure-test, and refine initial assessments, and tell me when I'm wrong
• Prepare memos, client advice, and analyses that are ready to send
• Draft, redline, and negotiate fintech agreements: BaaS and program agreements, vendor and processor contracts, MSAs, customer terms
• Lead negotiation calls with counterparties when needed
• Help build our research library, templates, and contract playbooks

Qualifications

• JD and active bar admission in any US state, in good standing
• 4-7 years of practice, with fintech, banking, or payments experience
• Genuine enjoyment of research and analysis, with the rigor to verify every conclusion
• Strong writing that is clear, concise, and readable by founders
• Real contract negotiation experience, not just review
• Working knowledge of at least one of: EFTA/Reg E, UDAAP, BSA/AML, money transmission or lending licensing, card network rules

Nice to have

• In-house experience at a fintech, sponsor bank, or payments company
• Bank partnership or sponsor bank diligence experience
• Comfort with AI research and drafting tools, plus the judgment to verify their output

How we work

• 100% remote, with no office and no commute
• Set your own hours, with a minimum of about 15 hrs/week
• Respond to messages within one business day
• Available for scheduled client calls during US business hours
• Workload grows as you want, with a path to full-time

Compensation

$140-$175/hour; salaried option at full-time

Advoco PC is an equal opportunity employer.