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Collective is a fintech platform empowering self-employed professionals and small business owners with integrated business services—incorporation, accounting, bookkeeping, tax services, and community access. The company is backed by top-tier investors including General Catalyst, Sound Ventures, QED Investors, and Google's Gradient Ventures.
As Director, Product Counsel, you will serve as Collective's embedded regulatory and product lawyer, responsible for navigating tax, payroll, and financial services compliance. This is a high-autonomy, high-visibility role that bridges legal, product, and operations.
Key Responsibilities:
- Act as the embedded regulatory partner to Product and Member Operations, advising on product design, development, and launch across tax, payroll, financial services, and other regulated activities.
- Establish and enforce regulatory launch standards with authority to hold releases that do not meet compliance requirements.
- Build and own Collective's compliance program, including regulatory obligations, policies, controls, monitoring, and change management.
- Develop and enforce policies governing member advice, data use, and marketing; partner with Member Operations to embed them operationally.
- Own marketing and lifecycle compliance, including advertising claims, endorsements, CAN-SPAM, TCPA, and auto-renewal requirements.
- Establish frameworks for member data use across products and marketing, including IRC §7216 compliance, and partner with Information Security on GLBA, CCPA, CPRA, and incident response.
- Own AI and automated-decisioning disclosures; ensure member-facing terms, disclosures, consent flows, and communications are clear and compliant.
- Chair the Risk Oversight Committee, own the risk register and annual regulatory review, and manage relationships with specialist regulatory counsel.
Requirements:
- JD and active bar admission with 10+ years of legal experience and substantial in-house regulatory compliance experience.
- Experience owning legal and regulatory matters for a regulated consumer or SMB product, ideally in fintech, payments, insurance, tax, lending, or another licensed vertical.
- Strong knowledge of tax and privacy regulations, including Circular 230, IRC §7216, GLBA, CCPA, and CPRA, with experience navigating consumer data, vendor relationships, and automated decisioning.
- Demonstrated experience building a compliance program from the ground up, including regulatory obligations, policies, controls, monitoring, and governance.
- Experience partnering directly with Product teams and embedding legal and regulatory requirements into product development and launch, rather than reviewing finished products.
- Strong track record drafting clear, concise consumer-facing terms, disclosures, and communications, with judgment to balance regulatory risk with business and member experience.
- Strong executive presence and judgment, with ability to challenge commercial leaders, influence cross-functional stakeholders, and make practical decisions in ambiguous, fast-moving environments.
- Experience using AI-enabled workflows to scale the function.
