Senior Payments & Digital Assets Lawyer

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Salary Range

We support flexible working – click here for more information on flexible working options

Flexible Working Options

Job Description Summary

Job Description

JOB TITLE: Senior Payments & Digital Assets Lawyer

SALARY:  £111,809 - £144,694

LOCATION(S): Edinburgh, Bristol, Halifax & Leeds

HOURS: Full Time

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

About this opportunity

At Lloyds Banking Group, we’re driven by a clear purpose - to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities.

We have an exciting opportunity for a Senior Digital Asset Lawyer to join our Payments, Competition & Data Legal team.

You’ll join a highly collaborative, friendly and encouraging team, working at the intersection of law, technology, and business, influencing regulatory frameworks and supporting the development and delivery of digital asset products. As a trusted business partner, you will provide strategic, business-friendly legal advice and work closely with our Digital Finance, Produce Owner and wider business stakeholders.

The role would suit someone who is legally qualified with significant experience in financial services and payments. You’ll also need a deep understanding of digital assets, DLT, and emerging regulatory frameworks.

Key Accountabilities

• Advise on the legal and regulatory aspects of digital assets, tokenisation, stablecoins, and programmable payments.

• Shape and influence our strategy, engage regulators and contribute to the design and update of statutory instruments (e.g., Financial Services and Markets Act, Payment Services Regulations) to support crypto assets/stablecoin issuance, trading, lending, and payments.

• Provide guidance on, MiCA (Markets in Crypto-Assets Regulation), and other relevant UK and global legal and regulatory frameworks including GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins Act)

• Support the use of Distributed Ledger Technology (DLT) on public blockchains for settlement of traditional assets (e.g., DIGIT – Digital Gilt issuance), including understanding the UK Digital Securities Sandbox and Digital Property Rights Bill.

• Advise on the treatment of encrypted data on public blockchains with respect to GDPR and the Data (Use and Access) Act (DUA)

• Address legal and compliance issues for cross-border tokenised deposits and stablecoins, including KYC, fraud, sanctions compliance, and outsourcing options.

• Prepare for the sale of digital traditional assets, stablecoins, and crypto to retail customers, ensuring compliance with current and future retail investing regulations.

• Collaborate with product, technology, and business teams to develop and deliver innovative digital asset solutions.

• Build relationships with external and internal stakeholders, including regulators, fintechs, trade associations and industry peers.

About us

From building a truly sustainable business to creating a place where people love to work, we need colleagues who are up for the challenge of our bold ambitions. We're excited to push boundaries, make change happen and grow with purpose together.

What you’ll need:

• UK Qualified lawyer with significant experience in financial services and payments.

• Deep understanding of digital assets, DLT, and emerging regulatory frameworks.

• Ability to learn and adapt to new legal and technological developments in the digital asset ecosystem.

• Strong influencing and communication skills, with experience engaging regulators and industry bodies.

• Proven track record of delivering legal advice in complex, cross-functional environments.

• Experience collaborating with clients, partners, and internal teams to deliver solutions to market.

• Knowledge of MiCA, GDPR, DUA, KYC, AML, and retail investing regulations as they relate to digital assets.

• Experience with product development and delivery in a regulated environment is desirable.

About working for us

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities, and we’re committed to creating an environment in which everyone can thrive, learn and develop.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%

• An annual performance-related bonus

• Share schemes including free shares

• Benefits you can adapt to your lifestyle, such as discounted shopping

• 30 days’ holiday, with bank holidays on top

• A range of wellbeing initiatives and generous parental leave policies

If you’re excited about being part of our team, get in touch. We’d love to hear from you!

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks.  We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person. 

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.