Senior Product Counsel Payments & Digital Assets

A leading financial technology organization is seeking an experienced Senior Product Counsel to provide legal guidance on innovative payment technologies, digital assets, and cross-border financial services. This position will work closely with product, compliance, risk, and business leadership to navigate complex regulatory requirements, support new product development, and establish practical legal frameworks for emerging financial technologies.

A leading financial technology organization is seeking an experienced Senior Product Counsel to provide legal guidance on innovative payment technologies, digital assets, and cross-border financial services.

This position will work closely with product, compliance, risk, and business leadership to navigate complex regulatory requirements, support new product development, and establish practical legal frameworks for emerging financial technologies.

The ideal candidate combines strong financial services regulatory expertise with commercial judgment and experience advising on next-generation payment solutions.

RESPONSIBILITIES

Product Legal Advisory

• Provide legal guidance throughout the development, launch, and expansion of payment and financial technology products.
• Advise on digital assets, stablecoins, blockchain-based transactions, payment networks, and cross-border money movement.
• Evaluate legal risks associated with emerging technologies, new business models, and evolving regulatory expectations.
• Partner with product, strategy, compliance, and risk teams to develop commercially practical solutions.
• Support product innovation by establishing appropriate legal safeguards, policies, and operating frameworks.

Regulatory Compliance & Strategy

• Interpret U.S. And international regulations governing payments, banking, consumer financial services, privacy, and digital assets.
• Advise on applicable requirements, including BSA/AML, OFAC, FinCEN, Regulation E, UDAAP, GLBA, CCPA, GDPR, the GENIUS Act, and other relevant financial regulations.
• Monitor legislative and regulatory developments affecting stablecoins, digital asset infrastructure, payment systems, and international transactions.
• Assess regulatory considerations involving licensing, settlement arrangements, foreign exchange, consumer disclosures, and sanctions.
• Support regulatory examinations, inquiries, and interactions with domestic and international authorities.

Commercial Agreements & Legal Documentation

• Draft, review, and negotiate complex commercial agreements involving financial institutions, technology providers, strategic partners, and other counterparties.
• Develop and review customer terms, product disclosures, contractual provisions, and other external-facing legal materials.
• Advise business stakeholders on contractual risks, regulatory obligations, and commercial negotiations.
• Collaborate with internal legal teams and external counsel on specialized legal matters.

Cross-Functional Leadership

• Serve as a strategic legal partner to senior management and business stakeholders.
• Translate complex regulatory requirements into actionable recommendations supporting business objectives.
• Provide guidance on legal disputes, regulatory matters, governance, and risk mitigation.
• Coordinate external legal resources and potentially oversee junior legal professionals.
• Support organizational standards relating to professional ethics, data protection, and regulatory compliance.

QUALIFICATIONS

• Juris Doctor (JD) from an accredited law school.
• Active admission to the Arizona Bar or another U.S. State bar.
• 8+ years of in-house or corporate legal experience, including substantial work advising financial institutions or financial services companies.
• Strong knowledge of consumer financial protection, payments regulation, privacy, AML, and economic sanctions.
• Experience interpreting regulations such as BSA, OFAC, GLBA, CCPA, GDPR, Regulation E, and UDAAP.
• Demonstrated experience advising on emerging regulatory issues involving payments, digital assets, blockchain, or cross-border financial transactions.
• Experience supporting innovative financial products in complex or evolving regulatory environments.
• Strong commercial judgment and ability to balance business objectives with legal and regulatory risk.
• Excellent contract negotiation, legal analysis, communication, and stakeholder management skills.
• Ability to make independent, risk-based decisions and manage competing priorities in a fast-paced environment.
• Experience coordinating and managing outside counsel.
• Ability to maintain required professional licensing and satisfy applicable pre-employment screening requirements.

PREFERRED EXPERIENCE

• Experience developing regulatory strategies and obtaining licenses or registrations for cryptocurrency or digital asset businesses.
• Familiarity with stablecoin issuance, tokenized deposits, digital wallets, blockchain payment infrastructure, or similar technologies.
• Knowledge of international payment regulations, cross-border settlement, and foreign exchange requirements.
• Experience advising on financial products operating across multiple countries or regulatory jurisdictions.
• Prior interaction with international banking, financial services, or consumer protection regulators.
• Understanding of emerging global regulatory frameworks governing stablecoins and digital assets.
• Experience supporting regulatory applications, supervisory engagement, and implementation of licensing requirements.