Product and Regulatory Legal Director

The role

You will act as a legal advisor to Product, Engineering, Risk, Compliance, and Operations teams. You will shape product strategy and guide regulatory decisions for banking, lending, payments, and subscription products.

What you will do

• Partner with cross-functional teams to advise on new product launches and enhancements
• Provide strategic counsel on consumer financial regulations, state licensing, and bank partnerships
• Draft, review, and negotiate complex commercial agreements with financial institutions and fintech partners
• Serve as a subject matter expert on BaaS, NACHA rules, payment networks, BSA/AML, fraud, privacy, and consumer servicing
• Monitor regulatory developments and translate requirements into business recommendations
• Build scalable processes and leverage technology, AI, and outside counsel to improve efficiency

Required qualifications

• J.D. from an accredited law school
• Active membership in good standing with a state bar
• 7–10 years of relevant legal experience in consumer financial services, fintech, banking, or a related regulatory practice
• Deep expertise in consumer banking and payments regulations, including Regulation E, NACHA rules, card network requirements, BSA/AML, and state money transmission laws
• Strong working knowledge of federal consumer financial regulations, including FCRA/FACTA, SCRA/MLA, FDCPA, FDIC insurance requirements, and GLBA/Regulation P
• Experience advising on state licensing requirements, regulatory change management, and banking or lending operations
• Ability to independently evaluate complex legal issues, negotiate commercial agreements, and provide actionable counsel

Nice to have

• Experience advising a neobank, banking-as-a-service platform, or consumer-facing fintech
• Familiarity with digital assets, emerging payment technologies, or financial services regulatory advocacy
• Experience improving legal workflows through automation or AI

Benefits

• Flexible hours and virtual-first work culture
• Home office stipend
• Premium Medical, Dental, and Vision Insurance plans
• Generous paid parental and caregiver leave
• 401(k) savings plan with matching contributions
• Financial advisor and financial wellness support
• Flexible PTO
• Generous company holidays, including Juneteenth and Winter Break
• All-company in-person events once or twice a year
• Virtual events

About the company

Dave is a financial app on a mission to build products that level the financial playing field. It offers digital financial products designed to meet the credit needs of those underserved by traditional financial institutions.