← All roles

Director, Product Legal (EmFi & Payments)

Airwallex· Legal
Apply on company site
Remote$240k - $330kFull-timePosted 5d ago

About the role

Lead the product-legal function for Embedded Finance, Lending, Issuing, and Payments for Platforms; partner with Product, Sales, Risk, Compliance, and bank/financial partners to structure, draft, and negotiate regulated fintech products and platforms.

Responsibilities

  • Lead the product-legal team supporting Embedded Finance, Lending, Issuing, and Payments for Platforms, managing two direct reports while remaining closely involved in the highest-impact matters.
  • Structure novel Embedded Finance and Lending models for strategic enterprise customers, partnering with Enterprise Sales, Product, Financial Partnerships, Risk, Regulatory Compliance, Engineering, and bank partners.
  • Provide practical, risk-weighted guidance on U.S. and international payments and financial services laws, including money transmission, AML/BSA, Reg E, UDAAP, card network rules, state licensing, and bank-partner and BaaS requirements.
  • Advise Product and Engineering from early ideation through PRD review, regulatory structuring, terms drafting, and go-to-market readiness for new products and markets.
  • Draft, review, and negotiate financial partnership agreements and platform terms and conditions with banks, payment processors, card networks, and other financial partners, including managing terms updates across jurisdictions.
  • Build scalable legal playbooks, approved use-case repositories, and reference materials that help Product, Commercial Legal, and Sales move faster on recurring deal patterns.
  • Coordinate with Regulatory Legal, Data & Privacy, Risk, FCC, Commercial Legal, Global Expansion & Licensing, and regional product legal leads on product launches, GRC escalations, and regulatory exam responses.
  • Serve as the U.S.-based point person for Embedded Finance, own the Lending portfolio, provide secondary support for Issuing, and help the Product Legal team scale its impact beyond one-to-one deal support.
  • Help Airwallex deliver Product Legal Readiness for prioritized launches across markets including Canada, Mexico, Brazil, and the UAE.
  • Support customer-facing legal-to-legal discussions and bring deep fintech regulatory credibility to complex commercial opportunities.

Qualifications

  • A JD or equivalent law degree and active bar membership in at least one U.S. jurisdiction.
  • 10+ years of legal experience in payments, fintech, financial services, or a closely related regulated industry, including substantial in-house experience.
  • Deep expertise in U.S. payments and financial services regulation, including money transmission, AML/BSA, Reg E, UDAAP, card network rules, state licensing, and bank-partner or BaaS program requirements.
  • A strong fintech lens and the ability to make sound decisions when regulations are evolving, fact patterns are novel, and information is incomplete.
  • Experience serving as an embedded legal partner to Product and Engineering teams from ideation through launch in a fast-moving fintech or financial services environment.
  • A track record of structuring and negotiating complex agreements with banks, payment processors, card networks, or other financial partners.
  • Strong drafting skills, including financial partnership agreements, platform terms and conditions, consumer terms, and related product documentation.
  • The ability to translate complex technical and regulatory matters into clear, practical advice for business partners and senior stakeholders.
  • Experience leading, mentoring, or developing lawyers or other legal professionals, with the judgment to balance people leadership and hands-on product counseling.
  • A collaborative, commercially minded approach to partnering with Sales, Product, Financial Partnerships, Risk, Compliance, Engineering, and other cross-functional teams.

Skills

Required:Regulatory expertise (U.S. payments and financial services)Contract negotiation and draftingCross-functional collaborationPeople leadership

Benefits

  • US-based employees are eligible for medical, dental, and vision insurance, a 401(k) plan, short-term and long-term disability, basic life insurance, and well-being benefits; 20 paid days of vacation and 12 paid company holidays per year (example for US-based employees).
  • Benefits vary by country and employment type in accordance with local statutory requirements.
Last updated Oct 22, 2026. Interested? Apply on the company site.
Airwallex logo

About Airwallex

Trusted Global Payments & Financial Platform

Grow your business faster with Airwallex - global business accounts, high speed transfers, multi-currency cards, online payments, embedded finance, and more.

PaymentsBankingFinancialGlobal
Company profileWebsite

More open roles at Airwallex