Senior Product Counsel, Earnin

• The ideal candidate has substantial experience advising payroll service providers, workforce platforms, or fintechs with payroll, wage, or earned wage access components, and is comfortable working at the intersection of employment law, payments, privacy, and financial regulation
• You will be a pragmatic advisor who communicates clearly with non-lawyers, separates the theoretical from the operational, and approaches problem-solving with a “yes, and” mindset—helping the business move from 0 to 1 while putting customers first and mitigating regulatory risk
• This role requires managing multiple workstreams simultaneously and strong organizational skills, prioritization, and independent judgment
• 7+ 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

Desirable

• As Senior Counsel, Product (Employee Ecosystem ), you will play a critical role in enabling and scaling our growing suite of employee-centric products by providing strategic, practical legal guidance across product development, operations, and regulatory compliance
• You will bring curiosity, creativity, and sound judgment to support the design and launch of payroll, job applicant, and applicant tracking-related products and features within a highly complex and evolving regulatory framework spanning employment law, payroll tax, payments, privacy, and financial services
• You will partner closely with product, engineering, compliance, operations, and senior legal leaders to develop new payroll and job applicant-related offerings, enhance existing features, and manage regulatory risk while supporting business innovation. The legal issues you encounter will be nuanced, fast-moving, and operationally complex, requiring the ability to translate law into scalable product solutions
• 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