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. Since our founding, our app has been downloaded over 13M times and we have provided access to $15 billion in earnings.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, 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:

We are looking for a highly motivated, entrepreneurial, counsel to serve as Counsel - Product.  You will assist with several vital legal initiatives.  The ideal candidate will have experience in the fintech space.  This is an exciting opportunity to work on challenging technology and business issues, supporting senior counsel.  As we expand our offerings, your ideas and contributions will make an immediate impact.

This is a remote position. The US base salary range for this full-time position is $136,000 - $204,000 + 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
  • 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: product features, advertising and marketing, 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 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 preparing and maintaining terms of service associated with e-commerce products
  • 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:

  • JD degree and 5+ years of relevant legal experience
  • Strong knowledge of consumer finance regulations,  including FDCPA, Reg E, Reg Z, FCRA, and/or UDAAP.
  • Experience with card payment association rules/operating regulations and NACHA rules a strong plus
  • A collaborative style who can work under pressure with little or no supervisionA 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 
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 on the basis of 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.
 
#LI-Remote

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