Payments Counsel
$50,000–$999,999 year
HybridNew York City, New York, United States or District of Columbia, United States
Job Summary
Advise on U.S. and EU payments regulations, including state money transmission laws, federal banking regulations, PSD2/PSD3, EMD2, e-money licensing, card network rules, and virtual asset frameworks. Partner with Compliance and Licensing teams on MTL applications, international licenses, and ongoing obligations. Draft card holder agreements across multiple jurisdictions and negotiate commercial agreements with banks, payment processors, card networks, and vendors. Manage relationships with outside counsel on specialized regulatory or jurisdictional issues. Assist with responses to regulators and participate in audits, exams, and inquiries. Stay ahead of regulatory changes affecting payments, crypto, and fintech to help shape internal strategy and external engagement. This role requires a JD from a top-level law program with 5–8 years of experience in payments or fintech regulation.
Required Qualifications
- A JD from a top-level law program
- At least 5–8 years of legal experience, focused on payments, fintech, financial services regulation, or related areas
- Strong understanding of US and EU payments regulations, including state MTLs, the Durbin Amendment, Regulation E, PSD2/PSD3, EMD2, EMI licensing, and card network rules
- Experience advising on commercial contracts and regulatory issues for fintech or payments companies
- Excellent written and verbal communication skills; able to translate complex regulation into clear business advice
- A collaborative, business-oriented mindset; comfortable working across multiple teams and time zones
- Preference for US-trained lawyers, but international JDs will be considered
Desired Qualifications
- Digital assets/crypto regulatory experience (e.g., VASP regimes, MiCA)
- Prior in-house experience at a fintech, payments company, or financial regulator
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