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About the Role

Serve as lead for a product-counsel team covering Embedded Finance, Payments for Platforms, Issuing, and Lending, which are high-growth and complex product lines. Partner with Product, Enterprise Sales, Financial Partnerships, Risk, Regulatory Compliance, and Engineering to structure novel deal models, advise on multi-jurisdictional financial regulation, and ensure global scalability of EmFi products with legal certainty. Support the full product lifecycle from ideation and regulatory structuring to terms drafting, bank-partner coordination, and go-to-market readiness, operating at the intersection of payments law, platform economics, and commercial strategy.

Responsibilities

Support global enterprise AEs through structuring and driving forward Airwallex's most complex EmFi deals.
Advise Product and other cross-functional teams on questions about various EmFi models.
Provide practical, risk-weighted regulatory guidance on U.S. and international payments and financial services laws, including money transmission, AML/BSA, consumer protection (Reg E, UDAAP), card network rules, state licensing, and bank-partner/BaaS requirements.
Translate regulatory complexity into actionable product advice.
Draft, review, and negotiate financial partnership agreements and platform terms and conditions, including contracts with banks, PSPs, and card networks.
Manage publication of terms updates for EmFi product changes.
Develop and maintain scalable legal playbooks, reference documents, and approved use-case repositories.
Enable Product, Commercial Legal, and Sales teams to move faster with less friction on standard deal patterns.
Collaborate closely with Regulatory Legal, Data & Privacy, Risk, FCC, and Commercial Legal to ensure cross-functional alignment on product launches, GRC escalations, and regulatory exam responses.
Contribute to Product Legal Readiness for new market and product launches across the global GTM roadmap.
Coordinate with Global Expansion & Licensing and regional product legal leads to deliver multi-jurisdictional regulatory assessments on time.

Requirements

JD (or equivalent law degree) and active bar membership in at least one U.S. jurisdiction.
10+ years of experience in payments, complex deal structuring, and financial regulation.
Proven ability to make decisions on the fly in the face of ambiguous regulation and novel fact patterns.
Deep working knowledge of U.S. payments and financial services regulatory frameworks, including money transmission laws, AML/BSA, Reg E, UDAAP, card network rules, and bank-partner/BaaS program requirements.
Demonstrated experience serving as an embedded legal partner to product and engineering teams, providing proactive counsel from ideation through launch in a fast-paced fintech or financial services environment.
Strong drafting and negotiation skills, with experience structuring and negotiating agreements with banks, payment processors, card networks, or other financial partners.
Excellent cross-functional communication skills, with the ability to discuss complex technical and regulatory matters clearly with all levels of seniority, including C-suite stakeholders.
Prior experience at a top-tier law firm combined with in-house experience at a fintech, payments company, or technology company offering regulated financial products.
Experience with multi-jurisdictional product launches, including familiarity with European payments regulation (PSD2, e-money frameworks) or other non-U.S. financial services regimes.
Track record of building legal playbooks, scalable frameworks, or internal knowledge resources that reduce friction and accelerate product development cycles.
Comfort operating in environments with high standards, fast iteration cycles, and evolving priorities, with an entrepreneurial mindset and a bias toward action and continuous improvement.

Skills

Payments law
Platform economics
Commercial strategy
Money transmission
AML/BSA
Consumer protection (Reg E, UDAAP)
Card network rules
State licensing
Bank-partner/BaaS requirements
Drafting
Negotiation
Cross-functional communication

Location

New York, US
San Francisco, US

Work Type

Full-time

Experience Level

10+ years of experience

Education Level

JD or equivalent law degree
Active bar membership in at least one U.S. jurisdiction

About the Company

Airwallex is the only unified payments and financial platform for global businesses.
Powered by proprietary infrastructure and software, Airwallex empowers over 250,000 businesses worldwide with integrated solutions for business accounts, payments, spend management, treasury, and embedded finance.
Founded in Melbourne, Airwallex has over 2,300 employees across 27 global offices.
Valued at US$11 billion and backed by leading investors, Airwallex is building the future of global payments and financial platforms.
We hire builders with founder-like energy who seek impact, accelerated learning, and ownership.
We value strong expertise, sharp thinking, and motivation by our mission and operating principles.
We move fast with good judgment, dig deep with curiosity, and make decisions from first principles.
We are humble, collaborative, turn ideas into products, and get things done end-to-end.
We use AI to work smarter and solve problems faster.
Legal & Licensing at Airwallex shapes how the company grows, backing builders transforming Airwallex into a generational financial company.
This team partners with Product, Sales, and business partners, shaping a global licensing footprint and ensuring brand and data architecture remain best-in-class.
The challenge involves enabling business velocity in product, revenue, and market expansion while maintaining regulatory discipline.
This team is for legal professionals, strategists, and licensing specialists with commercial instincts, sharp judgment, and a focus on customer-first outcomes.
This role offers the opportunity to guide executive decisions and build the licensing, structure, and judgment for future initiatives.

Equal Opportunity

Airwallex is proud to be an equal opportunity employer.
We value diversity and consider anyone seeking employment based on merit, qualifications, competence, and talent.
We do not discriminate based on color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status.
We provide accommodation for individuals with disabilities or special needs upon request.