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About the Role

The Bank Regulatory and Deposits Legal team seeks an experienced attorney to support Goldman Sachs’s U.S. deposit and electronic payments businesses. This role involves advising on legal and regulatory matters, reviewing product designs, drafting agreements, and coordinating with various internal and external stakeholders.

Responsibilities

Advising business, legal, compliance and other stakeholders throughout Goldman Sachs on legal and regulatory matters regarding U.S. consumer deposits electronic payments, digital interfaces, and related products, services, and controls
Providing comprehensive legal, regulatory, contractual, and transactional support to Goldman Sachs’s U.S. deposit-taking businesses on new and existing products and services
Supporting management of the firm’s U.S. bank subsidiary in understanding and meeting legal, regulatory, contractual, payment system, and related obligations
Drafting, reviewing, coordinating, and maintaining agreements, disclosures, and documentation for deposit and electronic payment products across the firm’s U.S. businesses
Monitoring legal, regulatory, and market developments, including participating in advocacy on proposed rules through engagement with internal stakeholders and external trade associations
Working with businesses, compliance, risk management, and other support functions to develop, review, and maintain policies, procedures, and controls
Coordinating with Legal counterparts throughout Goldman Sachs on identification, implementation, and change management of legal and regulatory requirements involving deposit accounts and electronic payments
Support cross-enterprise initiatives and projects

Requirements

Juris Doctor (J.D.) and active admission to practice law in at least one U.S. jurisdiction and able to serve as in-house counsel in Goldman Sachs’s New York or Washington, D.C. office
5+ years of experience at a law firm or in-house at a financial institution providing legal advice and support regarding U.S. deposit or electronic payment products and services
Legal expertise in U.S. deposit and electronic payments law and regulation, including Regulation E (EFTA), Regulation DD (Truth in Savings), Regulation CC (Funds Availability), FDIC law and regulations, and UDAAP standards
Experience advising on electronic payment systems (Nacha, wire transfer, RTP, card networks, and/or emerging payment systems) and associated billing and transaction disputes
Ability to work proactively and independently, collaborate effectively with stakeholders throughout the firm, including senior leadership, work well in high-pressure situations, juggle priorities, and manage external counsel
Ability to translate highly technical and complex statutory requirements into clear, actionable advice for technology, operations, and business stakeholders
Excellent judgment, a solution-oriented mindset, and the ability to assess and pragmatically advise on risk

Skills

Legal advice
Regulatory support
Contract drafting
Electronic payments law
Deposit law
Risk assessment
Stakeholder collaboration
Legal research
Due diligence
Financial law
Critical thinking

Location

New York, NY
Washington, D.C.

Work Type

Full-time

Experience Level

5+ years of experience

Education Level

Juris Doctor (J.D.)

Salary/Compensations

$185,000 - $295,000

Benefits

Discretionary bonus
Competitive benefits and wellness offerings

About the Company

Goldman Sachs is a leading global investment banking, securities and investment management firm founded in 1869 and headquartered in New York, with offices worldwide.
The firm is committed to fostering and advancing diversity and inclusion, offering professional and personal growth opportunities, training, development, firmwide networks, benefits, wellness, and mindfulness programs.

Equal Opportunity

Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veterans status, disability, or any other characteristic protected by applicable law.
Committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process.