Bill Pay Counsel (San Francisco)

Why join usBrex is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, Brex enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly. Brex’s AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most. Tens of thousands of the world's best companies run on Brex, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek.Working at Brex allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry. We’re committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream. We make this a reality by empowering you with the tools, resources, and support you need to grow your career.Legal at BrexThe Legal team helps the company grow responsibly, advocating for Brex and for the thousands of growing businesses we serve. We provide strategic advice and guidance to all Brex teams, protect Brex, advise on risk, and represent the company externally, negotiating with partners and interacting with regulators. Reimagining the financial system in a highly regulated environment requires creativity and resourcefulness, and we welcome the challenge.What you'll doYou will help us build, globally scale, and continuously improve our bill pay product and adjacent payments offerings. You'll be a subject matter expert on money transmission and payments regulation, providing strategic advice on risk and regulatory ambiguity as we ship new features. Embedded with engineering, design, and product, you'll partner from the earliest stages of ideation through launch—translating complex regulatory requirements into practical product decisions and helping the team move fast without compromising on compliance. You'll also collaborate closely with cross-functional partners (including compliance, risk, marketing, sales, partnerships, and bank and payments-network relationships) to find creative solutions to business problems. You know how to break a project down into first principles and see it from concept to release, and you understand when to solve a problem in-house versus when to strategically and cost-effectively deploy outside counsel.Where you’ll workThis role will be based in our San Francisco office. We are a hybrid environment that combines the energy and connections of being in the office with the benefits and flexibility of working from home. We currently require a minimum of three coordinated days in the office per week, Monday, Wednesday and Thursday. As a perk, we also have up to four weeks per year of fully remote work!ResponsibilitiesServe as the embedded legal partner to engineering, design, and product teams building bill pay and payments features, advising in real time as products are designed and builtProvide pragmatic, actionable advice on money transmission requirements and best practices for existing and new bill pay and payments productsAdvise on the regulatory implications of product architecture, payment flows, fund movement, and feature design, helping teams make sound build-versus-defer decisionsAdvise a variety of cross-functional partners on critical money transmission and payments regulatory questionsTrack and analyze US state and federal money transmission laws, along with relevant international payments regulations, and help Brex stay ahead of regulatory change affecting bill payAdvise on product and marketing collateral, customer communications, and disclosures for bill pay and payments productsDraft, update, and maintain customer agreements, terms, and disclosures for bill pay and money movement productsSupport licensing, bank partner, and payments-network requirements as they relate to product launchesRequirements4+ years working experience in a combination of law firms and fintech companies, ideally advising on money transmission, payments, and money movement matters for regulated financial productsFamiliarity with federal, state, and international money transmission and payments laws and regulations, including state money transmitter licensing, the Bank Secrecy Act/AML requirements, EFTA/Regulation E, NACHA operating rules, and required disclosuresExcellent written and verbal communication skills, both internal (memos, guides, presentations) and external (customer agreements, terms, disclosures, customer communications)Ownership mentality and comfort working on complex matters that require sound judgmentEntrepreneurial mindset and ability to work in a fast-paced environmentLaw degree and admitted to practice in at least one jurisdictionWillingness to be a team player who pitches in to help out on other products and topics; one of our key tenets is One BrexBonus PointsPrior in-house counsel experience at a scaling fintech, payments, or money movement companyExperience negotiating with or managing bank partner and payments-network relationshipsExperience interacting directly with regulatory agenciesCompensationThe expected salary range for this role is $220,000 - $270,000USD. However, the starting base pay will depend on a number of factors, including the candidate’s location, skills, experience, market demands, and internal pay parity. Depending on the position offered, equity and other forms of compensation may be provided as part of a total compensation package.Brex LLC is a wholly owned subsidiary of Capital One, N.A.Please be aware, job-seekers may be at risk of targeting by malicious actors looking for personal data. Brex recruiters will only reach out via LinkedIn or email with a brex.com domain. Any outreach claiming to be from Brex via other sources should be ignored.