Legal Counsel

Zip Co; New York (NY); Remote; USD 104,000 - 140,000; Full time

Job summary

Join a forward-thinking company as a Legal Counsel, where you'll partner with teams to provide strategic legal guidance on commercial agreements and regulatory compliance in the dynamic fintech landscape. This remote-first role offers flexibility while allowing you to work closely with key stakeholders to navigate legal challenges and drive business growth. You will leverage your expertise in transactional law and financial services regulations to help the company scale responsibly. Embrace the opportunity to solve interesting problems and make a significant impact in a values-driven environment that prioritizes collaboration and innovation.

Benefits

Flexible working culture

Incentive programs

20 days PTO

Generous paid parental leave

100% employer covered insurance

Learning and wellness subscription stipend

Company-sponsored 401k match

Qualifications

• 3-6 years of legal experience in commercial transactions and regulatory compliance.
• Strong background in negotiating technology-related agreements.

Responsibilities

• Provide legal guidance on commercial agreements and regulatory matters.
• Review and negotiate various types of agreements, ensuring compliance.

Skills

Transactional Law

Commercial Transactions

Regulatory Compliance

Negotiation Skills

Risk Assessment

Communication Skills

Education

Juris Doctor (JD)

Tools

Legal Research Tools

Job description

Partner closely with teams across the company to provide legal guidance on emerging technologies, commercial agreements, cutting-edge payments solutions, evolving data privacy regulations, and the development of Zip’s financial platform.

Play a key role in structuring and negotiating strategic partnerships that fuel business growth while ensuring compliance and mitigating legal and regulatory risks in the evolving fintech landscape.

This remote-first role offers flexibility for US-based employees, with the option to work in-person at our Manhattan office if you're local.

Start your adventure with Zip

As a Legal Counsel on the US Legal Team, you’ll work directly with key business stakeholders, leveraging your expertise in transactional and commercial matters, financial services regulations, and emerging technologies. You will receive guidance and support from senior members of the legal team, including the Deputy General Counsel, US, to navigate legal challenges and drive strategic business growth.

Interesting problems you’ll get to solve

You’ll work directly with key business stakeholders to provide strategic legal guidance on a wide range of commercial and regulatory matters. Reporting to the Deputy General Counsel, US, you’ll leverage your expertise in transactional law, financial services regulations, and emerging technologies to help Zip scale responsibly.

You’ll also:

1. Review, draft, and negotiate a variety of commercial agreements, including partnership agreements, vendor agreements, SaaS agreements, software license agreements, non-disclosure agreements, and data privacy agreements.
2. Provide legal advice on federal and state financial regulations, including TCPA, Reg B, Reg Z, TILA, CCPA, and GLBA, with guidance from the Deputy General Counsel, US and VP of Compliance.
3. Ensure all commercial agreements comply with Zip’s regulatory obligations and are structured for long-term operational success.
4. Partner with commercial teams to assess strategic deals, ensuring contracts align with business goals and can be executed effectively.
5. Advise on privacy-related matters and conduct privacy by design reviews, collaborating with Privacy Officers, legal colleagues, and business stakeholders to ensure compliance with US and global data protection laws.
6. Draft, update, and maintain privacy policies and notices for Zip’s products and business lines.
7. Stay ahead of evolving privacy and data protection laws, regulations, and industry best practices, ensuring Zip’s compliance framework remains up-to-date.
8. Review, draft, and negotiate data security and privacy provisions in vendor and partner agreements.
9. Provide legal counsel and support on cybersecurity, artificial intelligence, operational resilience and information management laws, regulations, policies and procedures.
10. Develop a deep understanding of Zip’s products, services, and business operations to provide tailored, strategic legal advice.

What you’ll bring to the team

1. 3-6 years of legal experience from a top-tier law firm and/or in-house counsel role, with a focus on commercial transactions, technology, and regulatory compliance.
2. Strong background in negotiating and drafting technology and intellectual property-related agreements, including technology licensing, SaaS, cloud-based services (IaaS, PaaS, SaaS) and other platform providers.
3. Prior experience advising on financial technology (fintech), consumer finance, or regulatory compliance is strongly preferred.
4. Deep understanding of federal and state regulations impacting fintech, payments, and consumer financial services.
5. Ability to deliver clear, concise, and pragmatic legal advice tailored to business objectives.
6. Strong risk assessment skills with the ability to provide commercially sound legal recommendations.
7. Excellent communication, presentation, and organizational skills.
8. Ability to challenge decisions constructively, align stakeholders, and support the successful launch of new products and initiatives.

Our Values in Your DNA:

1. Customer First – Always putting the customer at the heart of decision-making.
2. Own It – Taking accountability and driving impactful outcomes.
3. Stronger Together – Collaborating to build a world-class team and company.
4. Change the Game – Pioneering innovative solutions and challenging the status quo.

What you’ll get in return

Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly.

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you:

1. Flexible working culture
2. Incentive programs
3. 20 days PTO every year
4. Generous paid parental leave
5. Leading family support policies
6. 100% employer covered insurance
7. Beautiful Union Square office with a casual dress code
8. Learning and wellness subscription stipend
9. Company-sponsored 401k match

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $104,000 - $140,000 USD. This range reflects our US national compensation (USN). Additional premium percentages may apply based on our tiered premium strategy. Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits. If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique. Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know if there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally…get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products. Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.