Early Warning® · 1 day ago
Sr. Counsel, Digital Assets
Scottsdale, AZ
Full-time
Hybrid
Senior Level, Lead/Staff
$188K/yr - $235K/yr
8+ years expEarly Warning is a trusted name in payments, providing cutting-edge solutions like Zelle® and Paze℠. They are seeking an experienced Sr. Product Counsel to advise on innovative payment solutions and navigate complex legal and regulatory issues within the banking industry.
Financial ServicesFraud DetectionPaymentsRisk Management
No H1B
Responsibilities
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 and requirements applicable to payments, digital assets, blockchain, bank regulatory, and privacy such as the GENIUS Act, the National Bank Act, Bank Secrecy Act (BSA), OFAC/sanctions compliance, EFTA/Reg E, UCC, UDAAP/UDAP, GLBA/Reg. P and 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 the drafting and negotiation of commercial agreements
Provide pragmatic and strategic legal counsel and support to the product team regarding new business initiatives and product development
Draft, review and approve clear and concise public facing disclosures, disclaimers, terms of use or other public facing documents pertinent to the products
Advise clients both on individual customer contract issues and in designing contract language that best meets business objectives
Ability to draft, review and negotiate a variety of complex commercial relationships supporting the business unit objectives, including strategic partner, sales and supplier agreements
Act as department expert on specialized product or legal issues in the context of contract negotiations, audits, litigation, regulatory exams and other legal proceedings
Assess legislative or regulatory developments with actual or potential impact on key product initiatives and strategies and partner with the business team to identify and implement related policies, standards, processes and practices
Liaison with other Legal and Compliance department personnel to provide seamless support to the business unit
Manage and supervise outside counsel as needed
May manage and supervise lower-level attorneys and/or other legal personnel
Assist with corporate governance functions
Support the company’s commitment to risk management and protecting the integrity and confidentiality of systems and data
Qualification
Required
Juris Doctor from accredited law school; admission to Arizona or other State bar
Eight or more years' in-house or corporate counsel experience, with strong background advising financial institutions or financial services companies on compliance with consumer financial services and privacy laws and regulations
Ability to learn new substantive areas of the law
A strong understanding of relevant experience advising clients regarding the regulation of digital assets (including stable coins and tokenized deposits), and blockchain technology
Significant expertise and relevant experience advising financial services industry market participants regarding compliance with anti-money laundering, sanctions, data privacy, consumer protection regulations including, for example, Bank Secrecy Act, FinCEN guidelines, FATF recommendations, OFAC sanctions, GLBA, CCPA, GDPR, Regulation E, CFPA/UDAAP, and FTC Act
Ability to understand and be responsive to the business's needs and partner cross-functionally throughout the organization to achieve results while mitigating risk
Strong presentation skills and excellent written and verbal communication skills
Strong interpersonal and collaborative skills to build partnerships and alliances internally and with external partners at all levels of the organization
Strong business acumen—the ability to be forward-thinking and innovative while understanding our business needs and limitations
Demonstrated experience identifying and resolving legal and regulatory issues quickly and effectively, with an ability to make real-time decisions with imperfect information
Ability to comprehend and communicate complex law and regulation and judicial and regulatory interpretations of law and regulations to internal clients at all levels of the organization
Organized with ability to prioritize multiple tasks and achieve objectives in a fast-paced environment
Prior experience effectively managing outside legal resources
Unyielding commitment to highest professional ethics
Ability to maintain professional licensing and memberships in appropriate professional organizations
Background and drug screen
Preferred
Experience leading crypto/digital asset licensing or registration efforts (US and/or international), including regulatory strategy, planning, preparation and approval of charter and licensing applications, regulator engagement, and operational implementation
Experience with National Trust Bank charters
Expertise or working knowledge of international law applicable to payments
Knowledge of/experience with foreign corridor digital asset and payments, privacy, anti-money laundering and economic sanctions regulations/frameworks
Experience working with and representing clients before foreign bank prudential and consumer protection regulators
Benefits
Healthcare Coverage – Competitive medical (PPO/HDHP), dental, and vision plans as well as company contributions to your Health Savings Account (HSA) or pre-tax savings through flexible spending accounts (FSA) for commuting, health & dependent care expenses.
401(k) Retirement Plan – Featuring a 100% Company Safe Harbor Match on your first 6% deferral immediately upon eligibility.
Paid Time Off – Unlimited Time Off for Exempt (salaried) employees, as well as generous PTO for Non-Exempt (hourly) employees, plus 11 paid company holidays and a paid volunteer day.
12 weeks of Paid Parental Leave
Maven Family Planning – provides support through your Parenting journey including egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and returning to work.
Company
Early Warning®
Early Warning Services, LLC, a financial services technology leader, has been empowering and protecting consumers, small businesses, and the U.S.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Cameron Fowler
Chief Executive Officer
Recent News
Payments Dive
2025-10-31
Company data provided by crunchbase