Credit Card Counsel

2 нед. назад

USA

Legal counsel role focused on providing strategic advice, protecting the company, and negotiating with partners and regulators at , a finance platform.

Обязанности

You will help us build, globally scale, and continuously improve 's spend management software products, including budgets, spend policies, approvals, and audit and controls from the earliest stages of ideation through launch—translating complex regulatory, card network, and bank partner requirements into practical product decisions and helping teams move fast without compromising on compliance. You'll help advise on the regulatory and commercial issues that arise across software and fintech products—data privacy, contracting, intellectual property, AI and automation, and consumer- and commercial-protection requirements—providing strategic advice on risk and ambiguity as we design and ship new features. Embedded with engineering, product, and design teams, you'll partner from the earlie
 
Serve as the embedded legal partner to engineering, product, and design teams building spend management software—budgets, policies, approvals, and audit and controls—advising in real time as features are designed and built
Provide pragmatic, actionable advice on requirements and best practices for existing and new spend management software features
Advise on the regulatory and commercial implications of product architecture, data flows, automation and AI features, integrations, and feature design, helping teams make sound build-versus-defer decisions
Advise a variety of cross-functional partners on critical credit, lending, and card network regulatory questions
Advise a variety of cross-functional partners on critical software, data privacy, and product regulatory questions
Advise on product and marketing collateral, customer communications, and disclosures for spend management software products
Draft, update, and maintain customer agreements, terms, disclosures, and feature-level terms for spend management software
Support data handling, integration, and partner arrangements as they relate to product launches

Требования

4+ years working experience in a combination of law firms and technology or fintech companies, ideally advising on credit card, lending, and commercial matters for regulated financial or technology products
Familiarity with federal, state, and international credit, lending, and card laws and regulations, including TILA/Regulation Z, ECOA/Regulation B, UDAP/UDAAP, card network rules (Visa, Mastercard, Amex, Discover), and required disclosures
Excellent written and verbal communication skills, both internal (memos, guides, presentations) and external (customer agreements, terms, disclosures, customer communications)
Ownership mentality and comfort working on complex matters that require sound judgment
Entrepreneurial mindset and ability to work in a fast-paced environment
Law degree and admitted to practice in at least one jurisdiction
Willingness to be a team player who pitches in to help out on other products and topics; one of our key tenets is "One "

Будет плюсом

Prior in-house counsel experience at a scaling fintech, payments, or software company
Experience advising on AI and automation features
Experience negotiating with or managing bank partner and card network relationships
Experience interacting directly with regulatory agencies

Условия

is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly. ’s AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most. Tens of thousands of the world's best companies run on , including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek.
Working at allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry. We’re committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream. We make this a reality by empowering you with the tools, resources, and support you need to grow your career.
The expected salary range for this role is $220,000-$270,000 USD.  However, the starting base pay will depend on a number of factors, including the candidate’s location, skills, experience, market demands, and internal pay parity. Depending on the position offered, equity and other forms of compensation may be provided as part of a total compensation package.
 
LLC is a wholly owned subsidiary of Capital One, N.A.
Please be aware, job-seekers may be at risk of targeting by malicious actors looking for personal data. recruiters will only reach out via LinkedIn or email with a  .com  domain. Any outreach claiming to be from via other sources should be ignored.

Другое

The Legal team helps the company grow responsibly, advocating for and for the thousands of growing businesses we serve. We provide strategic advice and guidance to all teams, protect , advise on risk, and represent the company externally, negotiating with partners and interacting with regulators. Reimagining the financial system in a highly regulated environment requires creativity and resourcefulness, and we welcome the challenge.
 
This role will be based in our Seattle office. We are a hybrid environment that combines the energy and connections of being in the office with the benefits and flexibility of working from home. We currently require a minimum of three coordinated days in the office per week, Monday, Wednesday and Thursday. As a perk, we also have up to four weeks per year of fully remote work!