Product and Regulatory Legal Director

Dave vs. Goliath. We’re Dave.

Dave is a financial app on a mission to build products that level the financial playing field. It is redefining the financial landscape by leveraging technology to create an affordable, transparent, and user-centric access to liquidity for millions of Americans. As a leading innovator in the U.S. financial services sector, Dave’s digital financial platform offers products designed to meet the credit needs of those underserved by traditional financial institutions. Dave’s offerings include its flagship ExtraCash product, providing members up to $500 within minutes. The company is on track to launch several new product offerings in 2026, including a Buy Now Pay Later (BNPL) option.

Dave is focused on serving Americans who are financially vulnerable or living paycheck to paycheck. Dave is leading the charge in creating a new era of credit products that prioritizes speed, affordability, and accessibility, making it the go-to financial partner for those who need it most.

Dave is looking for an experienced product and regulatory attorney to help shape the next generation of financial products for our members. You'll bring deep expertise in consumer financial services, banking, and payments to help Dave innovate responsibly while navigating an evolving regulatory landscape.

The Opportunity

As Director, Product & Regulatory Legal, you'll be a trusted legal advisor to teams across Product, Engineering, Risk, Compliance, and Operations. You'll help shape product strategy, guide complex regulatory decisions, and build practical legal frameworks that support innovation and responsible growth.

This is a senior individual contributor role with meaningful autonomy and visibility. You'll influence decisions across Dave's banking, lending, payments, and subscription products while balancing legal risk, business objectives, and member experience.

What You'll Build & Own

• Shape product strategy: Partner with cross-functional teams to advise on new product launches, payment capabilities, banking services, and enhancements to existing products.

• Guide regulatory decisions: Provide strategic counsel on consumer financial regulations, state licensing, payments, bank partnerships, and emerging regulatory requirements.

• Support strategic partnerships: Draft, review, and negotiate complex commercial agreements with financial institutions, payment processors, fintech partners, and technology providers.

• Own complex legal matters: Serve as a subject matter expert on BaaS, NACHA rules, payment networks, BSA/AML, fraud, privacy, and consumer servicing matters.

• Anticipate what's next: Monitor regulatory developments, evaluate emerging financial technologies, and translate evolving requirements into practical business recommendations.

• Improve how Legal operates: Build scalable processes, strengthen regulatory monitoring, and thoughtfully leverage technology, AI, and outside counsel to improve efficiency and impact.

The Impact

Your work will directly influence how Dave develops and delivers accessible financial products. You'll help teams make informed decisions that protect our members, strengthen partnerships, and support sustainable growth.

What We're Looking For

• J.D. from an accredited law school and active membership in good standing with a state bar.

• 7–10 years of relevant legal experience in consumer financial services, fintech, banking, or a related regulatory practice.

• Deep expertise in consumer banking and payments regulations, including Regulation E, NACHA rules, card network requirements, BSA/AML, and state money transmission laws.

• Strong working knowledge of applicable federal consumer financial regulations, including FCRA/FACTA, SCRA/MLA, FDCPA, FDIC insurance requirements, and GLBA/Regulation P.

• Experience advising on state licensing requirements, regulatory change management, and banking or lending operations.

• Demonstrated ability to independently evaluate complex legal issues, negotiate commercial agreements, and provide actionable, business-oriented counsel.

Bonus Points

• Experience advising a neobank, banking-as-a-service platform, or consumer-facing fintech.

• Familiarity with digital assets, emerging payment technologies, or financial services regulatory advocacy.

• Experience improving legal workflows through automation or AI.
  

What Makes Someone Successful Here

You bring sound judgment, intellectual curiosity, and a practical approach to solving complex problems. You connect legal considerations to product strategy, operational realities, and member impact, helping teams make thoughtful decisions even when the path isn't fully defined.

You're a collaborative partner who builds trust across functions, communicates complex issues clearly, and welcomes different perspectives. You take ownership of outcomes while recognizing that the strongest solutions come from shared expertise.

What to Expect

You'll operate with significant independence and work closely with leaders across Dave. Priorities will evolve as products, regulations, and business needs change. You'll have the opportunity to influence direction early, build durable solutions, and help teams navigate ambiguity with confidence.

Why Join Dave?

At Dave, we believe everyone deserves access to their own money without predatory fees. You'll have the opportunity to shape products that serve millions of members, influence meaningful business decisions, and work alongside people who value thoughtful execution, collaboration, and lasting impact.

Ready to build for the underdog?

Reports to: Senior Director, Assistant General Counsel

Don’t let imposter syndrome get in the way of an incredible opportunity. We’re looking for people who can help us achieve our mission and vision, not just check off the boxes. If you’re excited about this role, we encourage you to apply. You may just be the right candidate for this or other roles.

Why you’ll love working here:

At Dave, our people are just as important as our product. Our culture reflects the values that guide who we are, how we work, and what we aspire to be. Daves are member-centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual-first company, team members can live and work anywhere in the United States, except Hawaii.

A few of our benefits & perks :

Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals

Flexible hours and virtual-first work culture with a home office stipend

Premium Medical, Dental, and Vision Insurance plans

Generous paid parental and caregiver leave

401(k) savings plan with matching contributions

Financial advisor and financial wellness support

️ Flexible PTO and generous company holidays, including Juneteenth and Winter Break

All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team

Dave Operating LLC is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.

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