Payments Legal - Consumer & Community Banking - Vice President

Job Description

Help shape the future of payments at JPMorganChase, advising on cutting-edge Digital Assets initiatives alongside modernization initiatives core banking payment rails. Partner with product and business leaders to deliver legally sound strategies, disclosures, data-use guidance, and customer-facing communications. Stay ahead of rapidly evolving laws and regulations, engaging in advocacy and translating regulatory change into practical product decisions. If you thrive at the intersection of law, technology, and innovation, this role puts you at the center of what’s next.

As a Vice President in Payments Legal for Consumer & Community Banking (CCB), you will support the CCB Payments Legal team, with primary support for CCB’s Digital Assets business and additional support for our team’s legal support of Banking Payments, Wallets, Open Banking, and Consortia Investments.  As a lawyer on this team, you will assist in supporting products across these coverage areas: providing product counsel, legal counseling regarding strategy and business decisions, conducting content reviews for customer-facing material, guidance on data use, monitoring and engaging in advocacy regarding emerging laws and regulations, and updating agreements and terms and conditions. You will join a team of lawyers and legal professionals who combine deep payments expertise with knowledge of emerging technologies. If you are intellectually curious, passionate about innovation in financial services, and eager to work at the intersection of law and technology in a fast-paced environment, you may be the perfect fit for our team.

The Legal Department at JPMorganChase & Co. manages legal and other risks, advises on products and services, interprets laws and regulations that impact the firm, and advises the firm on other matters. Our global team is made up of 2,000 lawyers and legal professionals with a reputation as thought leaders who deliver best-in-class services. As trusted advisors, we help the firm's clients while also safeguarding the integrity of the firm. We are committed to a culture of inclusivity and belonging, where people can grow and succeed throughout their careers while working for a first-in-class financial institution doing cutting-edge work. If these values resonate with you, we would like to hear from you.

Job Responsibilities

• Provide practical, risk-based legal guidance across digital assets, banking payments, wallets, open banking, and consortia investments.
• Advise product and business leaders on strategy, product design, and risk decisions for new and evolving payment capabilities.
• Support initiatives involving emerging payment technologies and partner-enabled capabilities, including governance approvals and issue escalation.
• Review customer-facing content to ensure clear, accurate, and compliant disclosures and communications.
• Draft and update agreements, disclosures, and terms and conditions to support product development and ongoing operations.
• Negotiate commercial and product documentation with partners, vendors, and other third parties.
• Assess proposed data use cases and recommend compliant approaches to data access, sharing, consent, and connectivity.
• Monitor laws, regulations, enforcement trends, and industry standards impacting covered products and services.
• Summarize regulatory developments for stakeholders and translate requirements into actionable product and process changes.
• Identify legal and regulatory issues early and escalate material risks with clear options and recommendations.
• Contribute to the development and maintenance of related policies, procedures, and controls.

Required qualifications, capabilities, and skills 

• Lawyer qualified to practice in the United States (active bar membership in at least one U.S. jurisdiction) with a minimum of 5 years experience.
• Background in financial services regulation or supporting another highly regulated business.
• Proactive problem-solver who is not afraid to explore new technologies and can demonstrate a thoughtful approach to testing and incorporating new tools into a professional environment.
• Excellent legal research and writing skills, with the ability to summarize legal and regulatory developments clearly and concisely for distribution to a non-legal audience.
• Ability to develop strong relationships with the business, corporate functions, and fellow legal and support professionals.
• Detail oriented with strong organizational and project management skills.
• A true “self-starter” with the ability to work independently to manage competing priorities and coordinate among a wide range of internal stakeholders.

Preferred qualifications, capabilities, and skills 

• Digital assets experience, including advising on digital asset or tokenized value products/services (e.g., crypto, stablecoins, blockchain-based use cases) and associated regulatory considerations.
• Familiarity with international and federal regulation of digital asset financial products and services.
• Payments networks and rules expertise, including familiarity with account-to-account and/or bank payment networks and related network operating rules, scheme/industry rulebooks, and contractual frameworks.

All candidates for roles in the Legal department must successfully complete a conflicts of interest clearance review prior to commencement of employment.

About Us

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. 

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our  FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

About the Team

Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we’re setting our businesses, clients, customers and employees up for success.

With large, global operations, the Legal team tackles complex issues and helps shape the regulations that affect the businesses. The group is organized into practice groups that align with the lines of business and corporate staff areas, which encourages collaboration on legal, regulatory and business developments as they arise.