Senior Product Counsel
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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations. And we don’t stop there: we’re 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 that’s ready to tackle challenges and build cutting-edge solutions. We value purpose, drive, and curiosity—and 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.
BILL builds high performing teams and we seek to hire the best talent for every role. We're committed to building a workplace that fosters inclusion and diverse perspectives, valuing each person’s unique skills and experiences. We’d love to hear from you—you might be just what we’re looking for, whether in this role or another.
✨ Let’s 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 BILL's 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.
San Jose pay range
$197,600 - $247,500 USD
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 BILL’s 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.
Draper UT pay range
$168,000 - $210,400 USD
What’s 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 isn’t 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
Don’t believe us? Check out our culture, benefits, and teams on our career site, LinkedIn Life, or YouTube pages.
BILL is an Equal Opportunity Employer. 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 interviewaccommodations@hq.bill.com.
Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.
Create a Job Alert
Interested in building your career at BILL? Get future opportunities sent straight to your email.
Apply for this job
*
indicates a required field