At Plaid, our mission is to unlock financial freedom for everyone. There has never been a better time than now to start building the future of fintech with us. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo and SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 11,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Salt Lake City, Washington D.C., London and Amsterdam.

Plaid’s Legal Team works at the intersection of technology, law and financial services. Our work helps Plaid build delightful and innovative products, make better decisions, understand and manage risks, and creatively navigate challenges, both external and internal. 

We’re looking for a Product Counsel focused on Payments issues to join our Legal Team! In this role, you’ll work closely with Product, Engineering, Design, Marketing and many other teams to understand and assess new products, from early development stages through launch, and help scale existing products. You’ll operate as an embedded member of the Transfers + Payments team and be trusted to be a key legal, business, and strategic advisor, on complex legal, regulatory, and data privacy questions. The ideal candidate will be a highly collaborative, inquisitive, and solutions-oriented lawyer with prior experience advising on product development and payments issues at a fast moving technology company. Experience in financial technology or payments is a must.

If you’re interested in a forward-thinking role within an ambitious and dynamic company, let’s chat!

What excites you:

• Providing pragmatic, creative, and strategic advice to product teams on novel legal questions, risks, and opportunities, including the development and launch of new products related to payments.
• Collaborating closely with a wide variety of teams at Plaid, including Product, Engineering, Revenue, Compliance, Risk, and Marketing, on complex legal questions related to payment product development and commercialization, including advising on new and emerging legal and regulatory developments impacting payments products
• Building strong relationships with product and business colleagues and operating as a trusted advisor to help them ship great products
• Monitoring and analyzing legal, regulatory, and policy developments relevant to financial services and fintech; and identifying trends and potential impacts on business activities and adapting existing laws to new technologies
• Constant learning, moving fast, and having fun at the same time

What excites us:

• J.D. degree, with at least 7+ years of relevant experience at a top law firm, government agency, or in-house legal department, with a focus on payments laws and regulations
• Deep understanding of laws, regulations, and requirements applicable to payments, including money transmission laws, financial services regulations, anti-money laundering and Bank Secrecy Act, FinCEN regulations, know-your-customer requirements, and sanctions
• Strong familiarity with the Nacha Operating Rules (including the roles and responsibilities of third-party senders and third-party service providers), RTP Network Rules, and payment card network rules
• Experience negotiating, advising on, and managing the risks of complex commercial agreements with partner banks, payment processing vendors, and other payments-related service providers
• Strong interest in emerging payments technology and the payments industry
• Creative thinker who is comfortable interpreting and applying the law in unsettled contexts
• Highly collaborative and able to work effectively with a variety of cross-functional stakeholders
• Strong project-management skills, with attention to detail
• Excellent written, oral, and interpersonal communication skills
• Good sense of humor
• Bar admission in good standing or otherwise authorized to practice law (e.g., have registered in-house counsel status) in the applicable state
• Excitement for Plaid’s mission and fintech

Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at [email protected].

Please review our Candidate Privacy Notice here.