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Dave is a financial services company building consumer financial products designed for underserved Americans, including its flagship ExtraCash product (up to $500 in minutes) and planned Buy Now Pay Later offerings. The company is launching several new products in 2026 and operates as a virtual-first organization across the United States.
You will serve as Senior Director, Assistant General Counsel, Product & Regulatory, leading legal strategy across Dave's consumer financial products and regulatory landscape. This role sits at the intersection of product innovation, consumer financial regulation, and business strategy. You will be a senior advisor to Product, Risk, Compliance, and executive leadership while building and developing a team of senior legal professionals.
Key Responsibilities:
- Lead legal strategy for Dave's banking, lending, payments, neobanking, and subscription products, partnering with Product, Design, Marketing, Engineering, Security, Risk, and Compliance from concept through launch and ongoing operations.
- Advise on product structure, onboarding, disclosures, pricing, servicing, and terms, balancing member experience, business objectives, and legal/regulatory requirements.
- Build and lead a proactive regulatory monitoring and change-management program covering federal and state legislative, regulatory, licensing, and enforcement developments.
- Own senior legal relationships with sponsor banks, program partners, payment processors, and outside counsel, including BaaS arrangements, audits, program changes, and card-network requirements.
- Oversee Dave's state licensing strategy, including NMLS-related requirements, and provide legal leadership during regulatory exams, bank partner reviews, and audits.
- Manage, coach, and develop senior legal professionals, setting clear expectations for quality, judgment, ownership, and professional growth while planning for future capability and succession.
You will have meaningful autonomy and a broad mandate. The role offers direct influence on product, regulatory, and business decisions, with regular exposure to senior leadership and cross-functional teams. The goal is practical, durable legal guidance that helps Dave make better decisions and build responsibly.
Requirements:
- J.D. from an accredited law school and active bar membership in good standing.
- 12+ years of legal and regulatory experience in consumer financial services and/or fintech, including significant experience advising on product and regulatory matters.
- Deep experience with banking, lending, payments, digital financial products, and BaaS partnership structures.
- Strong knowledge of consumer financial services laws and regulations, including TILA, TISA, EFTA, FCRA, GLBA, UDAAP, ROSCA, and related state consumer protection and licensing requirements.
- Demonstrated experience managing state licensing requirements and building or maintaining state regulatory requirements inventories.
- Experience supporting state and federal regulatory exams, audits, and regulatory change initiatives.
- Proven people leadership experience, including developing senior attorneys or comparable legal professionals and building strong, accountable teams.
- Executive-level communication skills and ability to make complex legal and regulatory issues clear to senior leaders and the Board.
Bonus qualifications: Experience in fintech, digital banking, payments, or financial services technology; experience across both law firm and senior in-house roles; experience building or scaling an in-house legal function; recognized subject-matter expertise in consumer fintech product or regulatory matters.
