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Who we are:
Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The role:
SoFi is seeking an attorney with strong experience in consumer finance and banking regulation to support SoFi Bank’s deposit and cash management products, as well as certain member-facing programs. The role will focus on advising SoFi Checking and Savings, SoFi Money, and Samsung Money by SoFi, along with SoFi’s Pay in 4 and Global Remittance Transfer products. The attorney will also support SoFi’s premium membership program, SoFi Plus, as well as the SoFi’s Rewards and Referral programs and SoFi’s AI-enabled Support Chat. The ideal candidate brings a deep understanding of deposit operations, consumer protection laws, and bank regulatory requirements and can translate those rules into clear, actionable guidance for business, product, and engineering partners.
What you’ll do:
- Provide day-to-day legal advice for SoFi Bank’s deposit and cash management products, including SoFi Checking and Savings, SoFi Money, and Samsung Money by SoFi.
- Counsel teams on product design, disclosures, and operations involving deposit and cash management accounts.
- Review and approve marketing, UX flows, and customer communications to ensure compliance with advertising and disclosure obligations.
- Advise on interest rate, funds availability, and deposit insurance requirements under Regulation DD, Regulation CC, and FDIC rules.
- Collaborate with compliance and risk teams on UDAAP, privacy, BSA/AML, and sanctions considerations.
- Support SoFi’s Pay in 4 and Global Remittance Transfer products, including regulatory analysis under Regulation E and related CFPB requirements.
- Provide guidance for SoFi Plus, SoFi Rewards, and SoFi Referral programs, including offer structures and disclosure compliance.
- Support development of SoFi’s AI-enabled Support Chat, with attention to consumer protection and privacy laws.
- Monitor and interpret regulatory developments affecting deposits, BNPL, and remittance products, and communicate implications to stakeholders.
- Draft and negotiate related commercial contracts and coordinate with external partners and regulators as needed.
What you’ll need:
- You should be an intellectually curious self-starter with strong written and oral communication skills
- JD from an accredited law school
- Member of the applicable bar
- 4 to 6 years of experience in consumer financial services and banking regulation, including experience with a major law firm and/or in-house counsel experience with a major financial institution.
- Detailed knowledge of key consumer banking regulations, including: Regulation DD (Truth in Savings Act); Regulation E (Electronic Funds Transfers); Regulation CC (Funds Availability); UDAAP (Unfair, Deceptive, or Abusive Acts or Practices); FDIC deposit insurance and signage rules; Bank Secrecy Act / AML / OFAC; Regulation P and the Gramm-Leach-Bliley Act (Privacy); NACHA rules and card network requirements relevant to debit activity; and familiarity with remittance transfer rules under Regulation E, Subpart B.
- Strong written and verbal communication skills and the ability to advise across technical and non-technical teams.
- A practical, business-minded approach to balancing legal risk and innovation in a dynamic fintech environment.
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What We Do
For over a decade, SoFi has helped transform the Fintech industry by creating financial products and services that help people borrow, save, spend, invest, and protect their money better, so they can achieve financial independence and realize their ambitions. Whether it’s owning a home, saving for retirement, paying off their student loans, or helping our members invest - SoFi is there every step of the way. Want to learn more about how it works? Check it out here: https://www.sofi.com/how-it-works/
Our core values are at the center of how we help our millions of members get their money right. They are our guiding principles for how we think about serving our members, building our company, and most importantly, how we work together. At SoFi, it’s not just what we do - but how we do it.
SoFi is also proud to be the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams.
For more information, visit SoFi.com
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
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