Remote Fintech Regulatory & Contracts Attorney

Advoco; United States; Remote; USD 193,000 - 241,000; Full time

Benefits offered by this job

Remote work

Flexible hours

First attorney hire

Job summary

Advoco is a remote, flexible fintech-focused fractional General Counsel and Chief Compliance Officer firm hiring its first attorney. The role involves researching federal and state fintech law, drafting client-ready memos, and owning contract negotiations from first draft to signature.

You’ll lead BaaS, vendor, processor contracts, MSAs, and customer terms while supporting a growing practice. Expect a highly autonomous, client-facing position with a path to full-time.

Qualifications

• JD and active bar admission in any US state, in good standing.
• 4-7 years of 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.

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 counter parties when needed.
• Help build our research library, templates, and contract playbooks.

Skills

Legal research

Contract negotiation

Legal writing

Regulatory knowledge

Education

JD and active bar admission

Tools

AI drafting tools

Job description

Advoco is a remote, flexible fintech-focused fractional General Counsel and Chief Compliance Officer firm hiring its first attorney. The role involves researching federal and state fintech law, drafting client-ready memos, and owning contract negotiations from first draft to signature.

You’ll lead BaaS, vendor, processor contracts, MSAs, and customer terms while supporting a growing practice. Expect a highly autonomous, client-facing position with a path to full-time.