New

Sr. Product Counsel

Mountain View, US

About EarnIn

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

As Senior Product Counsel, you'll have a broad and diverse range of responsibilities, bringing curiosity, creativity and sound judgment to facilitate product innovation with legal guidance on financial service product and feature development within a complex regulatory framework. You will build strong relationships and partner with our product teams and more senior counsel to develop new offerings and advise on legal risk and regulatory compliance. The legal issues you'll encounter are cutting edge and always evolving.  As we expand our offerings, your ideas and contributions will make an immediate impact. 

The ideal candidate will have experience in the fintech and/or banking space.  The successful candidate will be creative, knowledgeable in financial services, and skilled in researching and mastering complex legal topics.  You will also be skilled in providing accurate, practical, and actionable advice to non-lawyers in clear language. You will be comfortable working with the unknown in a fast-paced and dynamic environment, capable of an expert understanding of a legal issue and also separating the practical from the academic.  You will be counted on to think strategically and operate from a place of ‘yes, and’ to get our business clients from 0 to 1 - all while mitigating regulatory risk and putting customers first.  You will be managing numerous workstreams necessitating strong organizational skills and the ability to prioritize. 

This position is required to be in our Mountain View, CA headquarters at least two days per week. The US base salary range for this full-time position is $185,000 - $225,000 + equity + benefits. Our salary ranges are determined by role, level, and location.

What You’ll Do:

  • Work as part of the Legal team and cross-functionally on a variety of product matters and marketing questions, including serving as the lead lawyer for the Product Legal group
  • Advise on a wide range of consumer finance regulatory issues regarding existing and new products (including from the initial stages of product development through launch), including providing legal and regulatory feedback and advice on: 
    • existing product features,
    • new Product features,
    • advertising and marketing,
    • payments (ACH, Card Network), and
    • customer support
  • Look around corners and creatively solve problems for the business as they plan, build, and execute their product roadmap
  • Develop, share and deploy knowledge and best practices for working with payment processors and financial partners 
  • Assist with state and federal examinations and independent audits, including discussing product decisions and features with regulators and independent auditors and examiners
  • Assist with litigation matters
  • Assist with developing and providing training to business units on policies, procedures and developments in laws, regulations and best practices 
  • Other duties as assigned

What We’re Looking For:

  • 10+ years of experience of relevant legal experience
  • Juris Doctor degree and licensed to practice law in the U.S. and in good standing in at least one jurisdiction 
  • Strong knowledge of consumer finance regulations, including FDCPA, Reg E, Reg Z, Reg B, FCRA, and/or UDAAP
  • Experience with card payment association rules/operating regulations and NACHA rules a strong plus
  • Management experience combined with a collaborative style and someone who can work under pressure with little or no supervision
  • A deep thinker who can communicate clearly under pressure
  • Passion for exploring new opportunities and tough challenges with a sense of ownership and urgency, high energy and enthusiasm 
  • Experience in a start-up environment preferred 
  • Interest or experience in Government Relations is a plus
  • Experience with bankruptcy law a plus

#LI-Hybrid

At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant. 

EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.

Create a Job Alert

Interested in building your career at EarnIn? Get future opportunities sent straight to your email.

Apply for this job

*

indicates a required field

Resume/CV*

Accepted file types: pdf, doc, docx, txt, rtf

Cover Letter

Accepted file types: pdf, doc, docx, txt, rtf

Select...
Select...
Select...
Select...

Should you receive an offer, this will be used for offer and onboarding purposes.

Select...

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

As set forth in EarnIn’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.

Select...
Select...
Race & Ethnicity Definitions

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

Select...

Voluntary Self-Identification of Disability

Form CC-305
Page 1 of 1
OMB Control Number 1250-0005
Expires 04/30/2026

Why are you being asked to complete this form?

We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years.

Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

How do you know if you have a disability?

A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to:

  • Alcohol or other substance use disorder (not currently using drugs illegally)
  • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS
  • Blind or low vision
  • Cancer (past or present)
  • Cardiovascular or heart disease
  • Celiac disease
  • Cerebral palsy
  • Deaf or serious difficulty hearing
  • Diabetes
  • Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders
  • Epilepsy or other seizure disorder
  • Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome
  • Intellectual or developmental disability
  • Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD
  • Missing limbs or partially missing limbs
  • Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports
  • Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS)
  • Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities
  • Partial or complete paralysis (any cause)
  • Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema
  • Short stature (dwarfism)
  • Traumatic brain injury
Select...

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.