Senior Counsel - Product

About Us

The company is the leader in On-Demand Pay, helping employers modernize how people get their pay. The company serves more than 1,900 employers and over 6 million employees, including many of the world's most recognized brands. By providing real-time access to earned pay and financial wellness tools, the company helps employees manage their finances and helps employers attract and retain talent. The company is helping define the future of pay, where money moves at the speed of work. Learn more at the company's Press Center. [link for members]

ABOUT THE ROLE

The Senior Counsel, Product is a senior individual contributor responsible for providing strategic legal guidance across the full lifecycle of the company’s products and services. Operating independently to resolve complex regulatory and commercial challenges, this role applies deep expertise in consumer financial services law and product-legal review. You will advise Product, Engineering, Design, and executive leaders on launching innovations that are compliant, scalable, and strengthen the company’s competitive position and user trust.

WHAT YOU WILL BE RESPONSIBLE FOR

• Lifecycle Legal Review: Lead the comprehensive legal review of new product features, service enhancements, and AI-driven workflows from initial ideation through deployment and post-launch iteration

• Product Legal Strategy: Define legal strategy for the product roadmap, ensuring feature launches align with the company’s strategic vision, regulatory boundaries, and risk appetite

• Regulatory Navigation: Serve as the subject matter expert on consumer financial protection, EFTA/Regulation E, TILA/Regulation Z, UDAAP, money transmission, and evolving state/federal Earned Wage Access (EWA) frameworks

• UX/UI & Marketing Compliance: Partner with Design, Content, and Marketing teams to build compliant user journeys, transparent disclosures, and marketing/affiliate programs adhering to advertising standards

• Risk Mitigation & Advisory: Resolve systemic product-legal challenges with creative solutions that balance commercial objectives against regulatory safety, serving as a trusted advisor to leadership

• Partner & Sponsor Alignment: Direct legal alignment with sponsor banks, payment processors, and payment networks, ensuring platform features meet partner standards and network rules

• Contract Drafting & Negotiation: Lead the drafting and negotiation of complex, high-stakes product agreements, core platform partnerships, and strategic integrations

• Playbooks & Operational Process: Maintain and update product-legal playbooks, automated compliance templates, and review frameworks to apply the legal "Gold Standard" consistently

WHAT YOU BRING TO the company

• Legal Experience: 8+ years of legal experience, including top-tier law firm training and in-house fintech or highly regulated technology company experience

• Subject Matter Expertise: Expert-level knowledge of consumer financial services regulations (EFTA/Reg E, TILA/Reg Z, UDAAP), money transmission, and EWA regulatory frameworks

• Product & Commercial Track Record: Proven background supporting payments/fintech product launches, affiliate marketing programs, and navigating complex commercial contracts in iterative environments

• Strategic Problem Solving: Strong ability to navigate ambiguity, solve systemic challenges, and translate legal concepts into actionable advice for non-legal stakeholders

• Cross-Functional Collaboration: Demonstrated success collaborating with Product, Engineering, and Design teams in fast-paced delivery models

• Credentials & Integrity: Juris Doctor (JD) from an accredited law school and active Bar membership in good standing, upholding the highest standards of professional ethics

WHAT WE OFFER

• Exceptional health, vision, and dental care

• Life and AD&D, short- and long-term disability

• Employee Assistance Program

• Employee Resource Groups

• Unlimited PTO

• 401K with company matchUnlimited PTO

• 401K with company match

High-performing cultures aren't built in silos, they thrive on partnership. At the company, we Commit Together to an inclusive, professional environment where multifaceted perspectives are our greatest competitive advantage. We recognize that our team members don’t live “single-issue lives,” and we lean into the wide-ranging backgrounds and life stages that sharpen our collective decision-making.

In our high-trust environment, we empower you to Challenge Norms. We’ve created a space where it is safe to ask difficult questions, disrupt the status quo, and share bold perspectives without fear of professional fallout. We believe that by checking our own assumptions and staying curious about the experiences of others, we arrive at better, more innovative results.

We provide the space for you to do your best work through peer advocacy and transparent career development. If you are looking for a culture that values intellectual honesty, celebrates the unique lived experiences of its people, and thrives on collective success, you’ll find it here.

If you require reasonable accommodation for any aspect of the recruitment process, please send a request to [link for members] All requests for accommodation will be addressed as confidentially as practicable.

The company is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, color, religion or creed, alienage or citizenship status, political affiliation, marital or partnership status, age, national origin, ancestry, physical or mental disability, medical condition, veteran status, gender, gender identity, pregnancy, childbirth (or related medical conditions), sex, sexual orientation, sexual and other reproductive health decisions, genetic disorder, genetic predisposition, carrier status, military status, familial status, or domestic violence victim status and any other basis protected under federal, state, or local laws.