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About the Role

HSBC's Global Payments Solutions (GPS) business is a leading transaction banking franchise supporting clients across 50+ markets with cash management, liquidity, payments, and commercial card capabilities. The U.S. GPS Legal team partners closely with various departments to deliver secure, scalable solutions.

Responsibilities

Provide legal advice to GPS Product, Sales and Operations across U.S. payment services, including ACH, wires, real-time payments, checks, lockbox, remote deposit capture, image cash letter, controlled disbursements, and global disbursements.
Draft, review and negotiate client documentation and product terms, including master services agreements, account mandates, API/connectivity documentation, bespoke solution terms, and client-facing amendments.
Lead or support Deposit Account Control Agreement (DACA) negotiations and escalations.
Advise on liquidity and deposit products/structures, including cash concentration/ZBA, operational deposit accounts, interest and earnings structures, and liquidity investment solutions.
Support cross-border cash management mandates, including virtual accounts and cross-border sweeping.
Provide legal support for commercial card products and associated network/issuer/vendor arrangements.
Advise on legal and regulatory issues for new product development and strategic initiatives, including tokenized deposits, programmable payments, digital-asset adjacent arrangements, and DLT-based settlement models.
Support initiatives such as next generation Virtual Account Management (ngVAM) and other digital payment/treasury capabilities.
Partner with business and technical teams on fintech partnerships, BaaS/platform integration contracting, and data/APIs.
Advise on key U.S. legal and regulatory frameworks relevant to GPS products, including UCC Articles 3, 4 and 4A, EFTA / Regulation E, Scheme/system rules, deposit regulatory considerations, and BSA/AML, KYC and sanctions considerations.
Contribute to governance and control processes, ensuring legal issues are identified and addressed pragmatically.
Support escalation management, including client issues and disputes relating to payment products and services.

Requirements

Juris Doctor with active bar admission (New York, Illinois, or Washington D.C, preferred; other U.S. jurisdictions considered).
Post-qualification experience advising on payments, transaction banking, or cash management matters, gained at a major financial institution and/or top-tier law firm.
Strong working knowledge of U.S. payments legal frameworks and industry rules (e.g., UCC 4A, NACHA).
Demonstrated ability to draft and negotiate complex commercial arrangements directly with sophisticated counterparties.
Ability to translate regulatory complexity into clear, commercially practical advice, delivered at pace.
Excellent communication and influencing skills with the gravitas to advise senior stakeholders.
Consistently and eagerly work on enhancing and upgrading skills leveraging internal and external sources.
Collaborative mindset with a positive, solutions-oriented attitude.
Comfortable working across time zones and functions in a lean, high-impact team environment.

Skills

Payments
Transaction banking
Cash management
U.S. payments legal frameworks
Industry rules (UCC 4A, NACHA)
Drafting commercial arrangements
Negotiating commercial arrangements
Regulatory advice
Communication
Influencing
Stakeholder management
Collaboration
Problem-solving

Experience Level

Senior

Education Level

Juris Doctor

Benefits

Tailored professional development opportunities
Competitive pay and benefits package
Robust Wellness Hub
Welcoming and inclusive work environment
Employee Resource Groups
Industry-leading volunteerism policy
Generous matching gift program
Comprehensive program of immersive Sustainability and Climate Change Initiatives

About the Company

HSBC's purpose is Opening up a world of opportunity.
We use our unique expertise, capabilities, breadth and perspectives to open new kinds of opportunity for our customers.
We bring together people, ideas and capital that nurture progress and growth.
We help create a better world for our customers, people, investors, communities and the planet.
HSBC's Global Payments Solutions (GPS) business sits within Corporate and Institutional Banking (CIB) and is a leading transaction banking franchise, supporting clients across 50+ markets with cash management, liquidity, payments, and commercial card capabilities.

Equal Opportunity

All qualified applicants will receive consideration for employment without regard to age, ancestry, color, race, national origin, ethnicity, disability or medical condition, genetic information, military or veteran service, religion, creed, sex, gender, pregnancy, childbirth, caregiver status, marital status, citizenship or immigration status, sexual orientation, gender identity or expression or any other trait protected by applicable law.