Senior Product Counsel
Senior Product Counsel
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1 Vacancy
Job Description
Innovate with purpose
At BILL we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools we help businessesfrom startups to established brandsmake smarter decisions and gain control of their operations. And we dont stop there: were creating the future of financial automation so businesses can spend more time on what matters.
Working here means you become part of a vision-driven team thats ready to tackle challenges and build cutting-edge solutions. We value purpose drive and curiosityand we thrive in a fast-paced ever-changing environment. Whether in one of our offices in San Jose CA Draper UT or working remotely BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks.
At BILL we listen learn and leadfostering collaboration and a drive for continuous growth. Were committed to building a diverse and inclusive workplace that values each persons unique skills and experiences. Even if you dont meet every requirement wed love to hear from youyou might be just what were looking for whether in this role or another.
Lets give businesses more time for what matters.
Make your impact within a rapidly growing fintech company
We are seeking an experienced Senior Product Counsel to join our legal team focusing on regulatory compliance and legal review for BILLs money transmission and card products. This role requires expertise in financial services regulations payment network rules and marketing compliance for financial products.
Key Responsibilities
Product Legal Review & Compliance
- Conduct comprehensive legal review of money transmission products including regulatory compliance analysis and risk assessment
- Oversee legal aspects of card products including acquiring and processing operations
- Ensure compliance with state money transmission laws licensing requirements and ongoing regulatory obligations
- Review and analyze payment network rules and regulations for Visa Mastercard and American Express
- Monitor NACHA Operating Rules compliance for ACH transactions and related products
Regulatory Expertise & Analysis
- Stay current on evolving state money transmission regulations including licensing reporting and operational requirements
- Interpret and apply federal financial services regulations including BSA/AML EFTA Regulation E and UDAAP requirements
- Analyze regulatory guidance from CFPB FinCEN and other federal agencies impacting product development
Marketing & Advertising Compliance
- Review marketing materials product disclosures and customer communications for compliance with applicable laws and regulations
- Ensure adherence to CFPB advertising rules state consumer protection laws and FTC guidelines
- Collaborate with marketing teams to develop compliant promotional strategies for financial products
- Review and draft terms of service as applicable
Cross-Functional Collaboration
- Partner with product engineering and business teams to provide legal guidance during product development lifecycle
- Work closely with compliance team to implement regulatory requirements into operational processes
- Support business development initiatives with legal analysis of partnership agreements and vendor relationships
Required Qualifications:
- Juris Doctor (JD) from an accredited law school
- Active bar admission in good standing
- 7 years of legal experience in financial services
- Minimum 2 years of experience focused on payments and money transmission & in a product counsel (or equivalent) role
Preferred Qualifications (any combination of the following):
Specialized Regulatory Knowledge
- Knowledge of state money transmission laws and licensing frameworks across multiple jurisdictions
- Understanding of payment network rules (Visa Mastercard American Express) including operating regulations compliance programs and dispute resolution processes
- Familiarity with NACHA Operating Rules ACH processing requirements and related payment systems regulations
- Working knowledge of federal financial services laws including BSA/AML EFTA Regulation E FCRA and consumer protection statutes
- Knowledge of emerging payment technologies and digital banking regulations
- Familiarity with state consumer lending laws and regulations
- Experience with international payment regulations and cross-border compliance issues
Professional Experience
- Previous experience at fintech companies payment processors or money transmission businesses
- Experience with regulatory examinations and enforcement proceedings
- Experience working with cross-functional teams in technology-driven financial services companies
Core Competencies
- Strong analytical skills with ability to interpret complex regulatory requirements
- Excellent written and verbal communication skills
- Ability to work in fast-paced environment while managing multiple priorities
This hybrid role requires in-office work (Mon Tues Thurs) at either our San Jose CA or Draper UT office. Candidates must be U.S. work authorized with no current or future sponsorship needs and live within 45 miles of one of these locations or relocate by the start date. Fully remote work is not available for this position.
#evergreen #li
The estimated salary range for this role is noted below for our San Jose based role. Our ranges for each role and job level are based on a variety of factors including candidate experience expertise and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical dental vision life and disability insurance 401(k) retirement plan flexible spending & health savings account paid holidays paid time off and other company benefits.
The estimated base salary range for this role is noted below for our office location in Draper UT. Additionally this role is eligible to participate in BILLs bonus and equity plan. Our ranges for each role and job level are based on a variety of factors including candidate experience expertise and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical dental vision life and disability insurance 401(k) retirement plan flexible spending & health savings account paid holidays paid time off and other company benefits.
Whats in it for you
Redefining how businesses automate their work is a fast-paced exciting and fun environment. But we also have benefits and perks to ensure the magic isnt only experienced by our customers but by our employees as well.
Here is a preview of some of the amazing benefits here at BILL:
- 100% paid employee health dental and vision plans (choose HMO PPO or HDHP)
- HSA & FSA accounts
- Life Insurance Long & Short-term disability coverage
- Employee Assistance Program (EAP)
- 11 Observed holidays and wellness days and flexible time off
- Employee Stock Purchase Program with employee discounts
- Wellness & Fitness initiatives
- Employee recognition and referral programs
- And much more
Dont believe us Check out our culture benefits and teams on our career site LinkedIn Life or YouTube pages.
BILL is an Equal Opportunity Employer that values diversity and inclusion. We believe our best ideas come from the unique stories perspectives and experiences of our team members. We welcome people of all backgrounds abilities and identities to bring their authentic selves and contribute to our culture.
We are committed to a transparent inclusive hiring process that reflects our values. If you need accommodations at any stage please contact .
Required Experience:
Senior IC
Employment Type
Full Time
