Sr. Counsel, Digital Assets

Overview

At Early Warning, we’ve powered and protected the U.S. financial system for over thirty years with cutting-edge solutions like Zelle®, Paze℠, and more. We partner with thousands of institutions to increase access to financial services and protect transactions for millions of consumers and small businesses.

Locations are Scottsdale, San Francisco, Chicago, or New York with a hybrid work model to support collaboration.

Candidates must independently possess eligibility to work in the United States on date of hire. This position is ineligible for employment visa sponsorship.

We are seeking an experienced Sr. Product Counsel to serve as a trusted advisor and help shape the future of payments. You will be the go-to subject matter expert advising the business on innovative payment solutions at the center of the banking industry, partnering with Product, Compliance, Risk, Strategy, Marketing, Communications, and owner banks to solve a broad range of legal and regulatory issues across the product life cycle.

• Provide first-line, day-to-day legal counsel and support to the product team on all legal matters arising in the business unit
• Interpret and apply U.S. and international legal and regulatory frameworks applicable to payments, digital assets, blockchain, banking regulation, and privacy (e.g., GENIUS Act, National Bank Act, BSA, OFAC/sanctions, EFTA/Reg E, UCC, UDAAP/UDAP, GLBA/Reg. P, evolving stable coin and digital asset regulations)
• Guide business partners in the launch, operation and scaling of innovative payment solutions in a legally compliant manner
• Advise on national trust bank charter and licensing regulatory requirements for digital currency payment solutions
• Support the Product and Contracts teams in drafting and negotiating commercial agreements
• Provide pragmatic and strategic legal counsel on new business initiatives and product development
• Draft, review, and approve public-facing disclosures, disclaimers, terms of use, or other public-facing documents
• Advise on customer contract issues and design contract language that meets business objectives
• Draft, review, and negotiate complex commercial relationships (e.g., strategic partnerships, sales, and supplier agreements)
• Act as department expert on specialized product or legal issues in contract negotiations, audits, regulatory exams, and other proceedings
• Assess legislative or regulatory developments and partner with the business to implement related policies and practices
• Liaison with other Legal and Compliance personnel to support the business
• Manage and supervise outside counsel as needed; may supervise lower-level attorneys and/or other legal personnel
• Assist with corporate governance functions
• Support risk management and the protection of systems and data

• Juris Doctor from an accredited law school; admission to the Arizona or another state bar
• Eight or more years’ in-house or corporate counsel experience, with strong background advising financial institutions on consumer financial services and privacy laws
• Ability to learn new substantive areas of the law
• Understanding of digital assets regulation (including stable coins) and blockchain technology
• Experience advising on AML, sanctions, data privacy, consumer protection regulations (e.g., BSA, FinCEN guidelines, FATF, OFAC, GLBA, CCPA, GDPR, Regulation E, CFPA/UDAAP, FTC Act)
• Ability to partner cross-functionally to achieve results while mitigating risk
• Strong presentation and written/verbal communication skills
• Interpersonal and collaborative skills to build internal and external partnerships
• Strong business acumen with forward-thinking and innovative mindset aligned to business needs
• Experience identifying and resolving legal and regulatory issues quickly with sound judgment
• Ability to explain complex law to internal clients at all levels
• Organized with ability to prioritize and work in a fast-paced environment
• Experience managing outside legal resources
• Commitment to high professional ethics
• Active professional licensing and membership in appropriate organizations
• Background and drug screening

• Experience…