Who We Are
Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.
Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.
What We're Looking For
Cross River is currently seeking candidates for a Counsel, Commercial Transactions. The successful candidate must have demonstrated legal work experience as an attorney with a recognized U.S. law firm and/or in-house with a financial institution, fintech company or technology company. She/he should also have experience advising on general contract agreements, non-disclosure agreements, vendor and SaaS agreements. Demonstrated strong judgement, market knowledge and decision-making skills are critical to manage transactions. Candidates must possess excellent communication skills, a strong commitment to client service, ability to handle multiple matters, and the ability to work independently in a fast-paced team environment.
Responsibilities:
- Provide legal advice to management on various matters including IT/SaaS, sponsorship, and general contracts
- Draft, review and negotiate with counterparties company form agreements and counterparty agreements, which may include customers, suppliers and vendors, payers, potential clients, and technology licensing
- Support due diligence and managing closing documents for strategic activities including ventures, passive investments or acquisitions
- Strong interest in advising companies on legal issues relating to artificial intelligence, including implementing use of AI in the legal department and drafting contracts for AI related transactions or vendor contracts with AI use with a keen focus on providing strategic guidance navigating the legal landscape of AI technology
- Assist in the development of commercial transaction documents across business lines
- Provide clear and concise guidance to business needs
- Proactively collaborate with stakeholders across the enterprise, including compliance, technology, risk, operations and other key partners to support business initiatives and provide guidance
- Support other legal department needs, as necessary
Success Factors:
- Analytical and problem-solving skills, and the ability to review and anticipate broader organizational impact(s) required
- Ability to think “outside the box” in addressing novel issues and a willingness to learn new legal subject matter areas, as needed. Creative, agile thinker with an entrepreneurial, solutions-oriented mindset to drive business growth objectives
- Self-starter that likes to take on responsibility and committed to continuous improvement; upholds corporate values and displays integrity and high ethical standards
- Proactively create trust with colleagues with consistent communication and collaborate effectively with multiple internal groups and foster and maintain strong relationships, partnering with other lawyers, risk and compliance partners and business colleagues at all levels to drive results
- Good time management and prioritization skills, well organized, attention to detail, and able to effectively self-manage numerous several sensitive or urgent issues or projects simultaneously and produce professional quality work under tight deadlines with limited administrative support
- Strong drafting and negotiation skills, with excellent written and oral advocacy, corporate communication and interpersonal skills, including ability to interact effectively, and the ability and desire to build relationships and influence others
Qualifications:
- Juris Doctorate degree required, along with admission to a NY/NJ State Bar
- 8+ years’ experience as an attorney
- Excellent knowledge and understanding of contract law
- Experience managing relationships with clients
- Experience with intellectual property and M&A matters, a plus
- Experience of working with consumer finance laws and regulations, risk management, and fintech, a plus
- High degree of professional ethics and integrity
- Sound judgment and ability to analyze situations and information
- Hybrid role (4 days required in-person office) located in Fort Lee, NJ
#LI-JJ1 #LI-Hybrid #LI-Onsite
Salary Range: $200,000.00 - $240,000.00
Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.
By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.
Skills Required
- Juris Doctorate degree
- Admission to a New York or New Jersey State Bar
- 8 or more years of experience as an attorney
- Excellent knowledge and understanding of contract law
- Experience managing client relationships
- High degree of professional ethics and integrity
- Sound judgment and ability to analyze situations and information
- Experience with intellectual property matters
- Experience with mergers and acquisitions matters
- Experience with consumer finance laws and regulations, risk management, or fintech
- Legal work experience at a recognized U.S. law firm or in-house at a financial institution, fintech company, or technology company
- Experience with general contracts, non-disclosure agreements, vendor agreements, and SaaS agreements
Cross River Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Cross River and has not been reviewed or approved by Cross River.
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Healthcare Strength — Company materials state it pays 100% of premiums for medical, dental, and vision for eligible employees and their families, and covers $100,000 life and $100,000 AD&D. Feedback often highlights this employer-paid coverage as a standout element of the package.
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Affordable Benefits — Fully covered health premiums reduce employee out-of-pocket premium costs and increase the perceived value of total compensation. Feedback suggests strong ratings for health, dental, and vision coverage.
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Wellbeing & Lifestyle Benefits — Hybrid flexibility (role/location dependent), wellness budgets in some regions, and HQ amenities like a gym, cafe, shuttle, haircuts, and dry cleaning are highlighted in company materials. Learning and development support, an employee development fund, and volunteer opportunities are also featured.
Cross River Insights
What We Do
Cross River provides technology infrastructure powering the future of financial services. Leveraging a proprietary real-time banking core, Cross River delivers innovative and scalable embedded payments, cards, lending, and crypto solutions to millions of consumers and businesses. Cross River is backed by leading investors and serves the world’s most essential fintech and technology companies. Together with its partners, Cross River is reshaping global finance and financial inclusion. Member FDIC.
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