Staff Product Counsel

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. Position Summary As Staff Counsel, Product 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 $250,000 - $295,000 + 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) 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 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. #J-18808-Ljbffr EarnIn