EarnIn - Sr Counsel, Product
Requirements
• 4+ years of relevant legal experience, including significant experience supporting payroll servicing businesses, workforce platforms, or fintech products involving wages or payments • Juris Doctor degree and active U.S. law license in good standing • Deep knowledge of employment and wage-and-hour laws, including FLSA and state equivalents • Strong understanding of payroll tax, withholding, and reporting obligations • Ability to provide clear, practical, and actionable advice to non-lawyers in fast-paced settings • Strong judgment and comfort navigating ambiguity and evolving regulatory landscapes • Demonstrated ability to manage multiple priorities with minimal supervision • Collaborative, solutions-oriented mindset with the confidence to operate independently • Demonstrated proficiency with AI tools and technologies (including generative AI), or a strong willingness and ability to quickly learn and incorporate AI into legal workflows and product counseling. • Experience advising product and operations teams on SAS-aligned controls to support regulatory exams, customer due diligence, and enterprise sales • Experience with regulatory examinations, audits, or enforcement matters strongly preferred • Experience advising on payments regulations and rules, including NACHA and Debit Card network experience • Familiarity with bank partnership models, funds flow, and operational risk in payroll, fintech or other high velocity sales environments • Experience in a high-growth or startup environment • Interest or experience in government relations or policy advocacy • Experience with bankruptcy or insolvency issues related to payroll or employer clients • Experience with commercial contracting (sales-side) • Experience with immigration law
Responsibilities
• Serve as a senior member of the Legal team and the lead product lawyer for payroll and job applicant-related products and features • Advise cross-functional partners on legal and regulatory issues related to payroll servicing, from early product design through launch and ongoing operations, including: • Wage and hour compliance (federal, state, and local) • Payroll processing, pay frequency, and final pay requirements • Employee classification and related risk • Payroll tax withholding, reporting, and funds flow • Deductions, garnishments, and employer obligations • Provide legal guidance on payments and money movement in the payroll context, including ACH, prefunding, settlement timing, and relationships with banks and payment processors • Develop, share, and operationalize best practices for working with payroll vendors, payment processors, sponsor banks, and other financial partners • Partner with product teams across the company to proactively identify regulatory risk, “look around corners,” and develop compliant, scalable solutions aligned with the product roadmap • Support state and federal regulatory examinations, audits, and inquiries, including explaining payroll product design and operational controls to regulators and independent auditors • Assist with litigation and pre-litigation matters, including inhouse employment matters, regulatory enforcement actions, and vendor or client disputes • Contribute to the development and delivery of training for business teams on payroll-related laws, regulations, and best practices • Collaborate with compliance, risk, and operations teams to enhance internal controls and governance frameworks • Perform other duties as assigned
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