Remote Fintech Regulatory & Contracts Counsel

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

Job summary

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.

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

Skills

Regulatory research

Contract negotiation

Legal writing

Client advisement

Fintech knowledge

Education

JD degree (US) or bar admission

Tools

AI drafting tools

Job description

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.