Fintech Regulatory Counsel (Midlevel)

Fenwick & West; Seattle (WA); On-site; USD 260,000 - 390,000; Full time

Benefits offered by this job

Discretionary bonus

Comprehensive benefits

Job summary

Fenwick & West is recruiting for a Senior Fintech Regulatory Counsel in Seattle to advise on the development and launch of cutting-edge fintech products and business models. You will analyze product structures, funds flows and regulatory requirements for federal and state regimes.

The role focuses on payments, money transmission, lending and licensing strategies, with opportunities to lead bank-fintech partnerships and complex commercial agreements while supervising junior team members.

Qualifications

• 3–6 years of relevant experience at a law firm, financial institution, fintech company, government agency or comparable setting.
• Substantive experience in payments and money movement, money transmission or financial-services licensing, bank-fintech partnerships, or consumer/commercial finance.
• Experience drafting and negotiating commercial agreements relating to financial products, payments, bank partnerships, technology platforms or other regulated services.
• Ability to understand complex products and business models, identify regulatory issues and communicate practical advice clearly to legal and business stakeholders.
• CA, WA, NY, or DC bar preferred, but not required.
• Superior academic credentials, excellent oral, written, and interpersonal skills.

Responsibilities

• Advise fintech, technology and financial-services companies on the development and launch of new products and business models, including analyzing product structures and funds flows and identifying applicable federal and state regulatory requirements.
• Counsel clients on payments, money transmission, lending and other financial-services regulatory matters, including state licensing strategies, NMLS applications, exemptions and ongoing compliance with applicable federal and state requirements.
• Structure and advise on bank-fintech partnerships, embedded-finance arrangements and other relationships involving banks, payment processors, card networks and financial-services providers, including FBO/deposit structures and program-risk allocation.
• Draft and negotiate commercial agreements supporting fintech and financial-services products, including bank partnership, payments, card, processing, program-management and related technology and service-provider arrangements.
• Help clients implement regulatory requirements through product terms, consumer disclosures, policies, BSA/AML programs, marketing review, licensing strategies and other compliance measures.
• Advise on the regulatory aspects of investments, financings, acquisitions and other strategic transactions involving fintech and financial-services companies, including regulatory diligence and change-of-control filings.
• Manage substantial components of matters independently, communicate directly with clients and business teams, coordinate with lawyers across practice areas and supervise junior team members as appropriate.

Skills

Regulatory fintech

Payments & money movement

Financial-services licensing

Bank-fintech partnerships

Regulatory analysis

Contract drafting

Education

Bar admission (CA/WA/NY/DC preferred)

Job description

Fenwick & West is recruiting for a Senior Fintech Regulatory Counsel in Seattle to advise on the development and launch of cutting-edge fintech products and business models. You will analyze product structures, funds flows and regulatory requirements for federal and state regimes.

The role focuses on payments, money transmission, lending and licensing strategies, with opportunities to lead bank-fintech partnerships and complex commercial agreements while supervising junior team members.