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Product Counsel, Payments

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Whatnot

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Location:
United States , New York, NY ▼

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Category:
Legal

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Contract Type:
Not provided

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Salary:

260000.00 - 325000.00 USD / Year
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Job Description:

We are looking for an experienced Senior Product Counsel to lead legal support for Whatnot’s payments and financial services initiatives, spanning both consumer experiences and merchant/acquirer relationships. This role will be a key partner to our Product, Engineering, Business Development, and Risk teams, advising on the design, development, and operation of innovative payment systems. You’ll work on everything from new payment features and financial products to large-scale partnerships with processors, card networks, and other fintech players. The ideal candidate has deep experience in payments and fintech regulation, a strong transactional background, and a pragmatic, solution-oriented approach. You’ll help us navigate complex regulatory frameworks while enabling speed and innovation.

Job Responsibility:

  • Provide strategic and practical legal advice to product, engineering, and business teams on the design and rollout of payment products, merchant services, and financial infrastructure
  • Advise on regulatory and compliance requirements, including U.S. and international payment regulations, money transmission, stored value, AML/BSA, consumer protection, and card network rules
  • Draft, negotiate, and manage complex commercial agreements with processors, acquiring banks, payment facilitators, and other financial partners
  • Partner with Compliance, Risk, and Product Operations to develop scalable policies, playbooks, and controls that support compliant and sustainable growth
  • Support expansion of payment products into new jurisdictions, assessing cross-border licensing and regulatory frameworks
  • Collaborate with Business Development on strategic financial partnerships and integrations
  • Stay current on developments in payments, fintech, and digital commerce regulation, and advise leadership on implications for product strategy
  • Help build the infrastructure for a world-class legal function that scales with Whatnot’s growth

Requirements:

  • Juris Doctor (J.D.) and active membership in at least one U.S. jurisdiction (CA or NY preferred)
  • 8+ years of combined experience in a top law firm and/or in-house legal department
  • At least 3 years advising on payments, fintech, or financial services matters
  • Deep understanding of payments law and infrastructure, including card network operating rules, money transmission, and merchant acquiring frameworks
  • Proven experience negotiating commercial and technology agreements with financial institutions, processors, or payment partners
  • Strong familiarity with U.S. and international regulatory frameworks, including PSD2, e-money, AML, and consumer finance regulations
  • Ability to work cross-functionally in a fast-paced, product-driven environment, providing actionable guidance to non-legal stakeholders
  • Excellent communication, drafting, and interpersonal skills, with a bias toward clarity and collaboration
  • A proactive, business-minded approach and comfort with ambiguity
  • A sense of humor and humility
What we offer:
  • Offers Equity
  • Generous Holiday and Time off Policy
  • Health Insurance options including Medical, Dental, Vision
  • Work From Home Support
  • Home office setup allowance
  • Monthly allowance for cell phone and internet
  • Care benefits
  • Monthly allowance for wellness
  • Annual allowance towards Childcare
  • Lifetime benefit for family planning, such as adoption or fertility expenses
  • Retirement
  • 401k offering for Traditional and Roth accounts in the US (employer match up to 4% of base salary) and Pension plans internationally
  • Monthly allowance to dogfood the app
  • Parental Leave
  • 16 weeks of paid parental leave + one month gradual return to work

Additional Information:

Job Posted:
February 18, 2026

Employment Type:
Fulltime
Work Type:
Hybrid work
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