Midlevel Regulatory Associate - Fintech Job San Francisco area,California USA,Finance & Banking

Advise fintech, technology and financial-services companies on the development and launch of new products and business models, including analyzing product structures and funds flows and identifying applicable federal and state regulatory requirements.
Counsel clients on payments, money transmission, lending and other financial-services regulatory matters, including state licensing strategies, NMLS applications, exemptions and ongoing compliance with applicable federal and state requirements.
Structure and advise on bank-fintech partnerships, embedded-finance arrangements and other relationships involving banks, payment processors, card networks and financial-services providers, including FBO/deposit structures and program-risk allocation.
Draft and negotiate commercial agreements supporting fintech and financial-services products, including bank partnership, payments, card, processing, program-management and related technology and service-provider arrangements.
Help clients implement regulatory requirements through product terms, consumer disclosures, policies, BSA/AML programs, marketing review, licensing strategies and other compliance measures.
Advise on the regulatory aspects of investments, financings, acquisitions and other strategic transactions involving fintech and financial-services companies, including regulatory diligence and change-of-control filings.
Manage substantial components of matters independently, communicate directly with clients and business teams, coordinate with lawyers across practice areas and supervise junior team members as appropriate.

What You Will Do

Advise fintech, technology and financial-services companies on the development and launch of new products and business models, including analyzing product structures and funds flows and identifying applicable federal and state regulatory requirements.
Counsel clients on payments, money transmission, lending and other financial-services regulatory matters, including state licensing strategies, NMLS applications, exemptions and ongoing compliance with applicable federal and state requirements.
Structure and advise on bank-fintech partnerships, embedded-finance arrangements and other relationships involving banks, payment processors, card networks and financial-services providers, including FBO/deposit structures and program-risk allocation.
Draft and negotiate commercial agreements supporting fintech and financial-services products, including bank partnership, payments, card, processing, program-management and related technology and service-provider arrangements.
Help clients implement regulatory requirements through product terms, consumer disclosures, policies, BSA/AML programs, marketing review, licensing strategies and other compliance measures.
Advise on the regulatory aspects of investments, financings, acquisitions and other strategic transactions involving fintech and financial-services companies, including regulatory diligence and change-of-control filings.
Manage substantial components of matters independently, communicate directly with clients and business teams, coordinate with lawyers across practice areas and supervise junior team members as appropriate.

Qualifications Required

Three to six years of relevant experience at a law firm, financial institution, fintech company, government agency or comparable setting.
Substantive experience in at least one core area: payments and money movement, money transmission or financial-services licensing, bank-fintech partnerships, or consumer/commercial finance.
Experience drafting and negotiating commercial agreements relating to financial products, payments, bank partnerships, technology platforms or other regulated services.
Ability to understand complex products and business models, identify regulatory issues and communicate practical advice clearly to legal and business stakeholders.
CA, WA, NY, or DC, MA bar preferred, but not required
Superior academic credentials, excellent oral, written, and interpersonal skills

Preferred Experience

Consumer or small-business lending (including BNPL, earned-wage access, marketplace lending or alternative finance)
Digital assets, stable coins or blockchain-based financial products
BSA/AML, sanctions and financial-crime compliance
Bank regulatory matters (prudential supervision, chartering, permissible activities)
Card networks, ACH/NACHA, Reg E or payment processing
Broker-dealer, investment-adviser or other securities regulation
CFTC-regulated activity, derivatives, or…