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Counsel, Commercial Payments

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Citizens Bank

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Location:
United States , Boston, Massachusetts ▼

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Category:
Legal

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Contract Type:
Not provided

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Salary:

135000.00 - 150000.00 USD / Year
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Job Description:

Citizens is seeking a highly motivated, results‑oriented attorney to join our Legal team in a fast‑paced, collaborative environment supporting the Commercial Treasury and Payments Solutions business. This role will initially focus on providing legal support for commercial payments products, with opportunities to expand into broader cash management products, services, and strategic initiatives over time. This position is designed for an attorney who is eager to grow into a trusted, go‑to legal advisor for Commercial Payments products and initiatives, partnering closely with senior attorneys, business leaders, and cross‑functional stakeholders across the enterprise.

Job Responsibility:

  • Draft and negotiate contracts for the Commercial Bank’s payments products, including ACH, wires, real‑time payments, embedded payments, and other third‑party payment arrangements
  • Advise on payments‑related laws, regulations, and network rules, including UCC Articles 3, 4, and 4A, and NACHA Operating Rules
  • Partner closely with senior attorneys, product owners, Risk, and Compliance partners on new initiatives, complex problem‑solving, and escalated customer issues
  • Monitor changes in the legal and regulatory landscape and research, analyze, and provide sound legal advice related to existing and evolving financial products and services
  • Serve as a trusted advisor to business, Risk, Compliance, and other functional partners on strategic initiatives, contract interpretation and negotiation, internal audits, regulatory examinations, and dispute resolution
  • Provide legal support to commercial operations teams by delivering timely, practical guidance on day‑to‑day matters
  • Coordinate with, manage, and oversee outside counsel, as appropriate

Requirements:

  • 1–3 years of relevant law firm or in‑house legal experience
  • Juris Doctor (JD) from an accredited law school
  • Active admission to at least one U.S. state bar
  • Strong critical thinking, legal analysis, and problem‑solving skills
  • Ability to thoughtfully challenge the status quo while delivering practical, business‑focused legal solutions
  • Strong communication skills, with the ability to translate complex legal concepts for diverse audiences
  • Sound judgment and the ability to balance legal risk with business objectives
  • Comfort operating in a fast‑paced, evolving environment while managing a broad range of legal matters
  • Highly collaborative team player with a positive attitude, growth mindset, resilience, and strong interpersonal skills
What we offer:
  • comprehensive medical, dental, and vision coverage
  • retirement benefits
  • maternity/paternity leave
  • flexible work arrangements
  • education reimbursement
  • wellness programs
  • paid time off policy exceeds the mandatory paid sick or paid time‑away policy of every local and state jurisdiction in the United States
  • opportunity to earn an annual discretionary bonus

Additional Information:

Job Posted:
March 21, 2026

Employment Type:
Fulltime
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