---
title: 'Regulatory Product Counsel at Lead'
canonical: 'https://feeny.ai/job/regulatory-product-counsel-lead-kansas-city-7qpb4mkpm1yg'
type: 'job'
last_seen: '2026-09-06'
---

# Regulatory Product Counsel at Lead

- **Company:** Lead
- **Location:** Kansas City, MO / New York, NY / San Francisco, CA / Sunnyvale, CA / United States
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-20
- **Last confirmed live:** 2026-09-06
- **Apply:** https://jobs.ashbyhq.com/leadbank/9dccb113-00fc-4c4f-bca1-f90f12fe8c62

## Job description

## About Lead Bank

Lead is a banking infrastructure platform trusted by the most innovative companies to power complex financial products. We enable fintechs to offer compliant, programmable services like payments, lending, and digital assets at scale. Banking has moved beyond traditional institutions and is now embedded directly into everyday experiences, meaning companies need modern infrastructure that is safe, secure, and operationally sound.

Today, Lead is one of the only API-first, developer-focused partner banks with the financial, regulatory, and legal expertise required to help fintechs succeed. We operate offices in San Francisco, Sunnyvale, and New York City, and an FDIC-insured bank in Kansas City.

Legal Team at Lead

Lead’s Legal team offers professionals the opportunity to work across nearly every part of the business, from contracts to overseeing regulatory change in a developing environment. Team members are both highly autonomous and deeply collaborative. And because Legal partners with every department, they are enabled to build broad context, create meaningful impact, and help shape big company decisions. It’s a strong fit for anyone craving diverse assignments, significant ownership of their work, and a strong team culture.

Role Description:

Lead Bank is seeking a Regulatory Product Counsel to support the Bank’s Banking-as-a-Service (BaaS) and payments businesses. This attorney will provide practical, product-minded legal guidance to internal stakeholders across partner onboarding, product launch, product expansion, and ongoing partner oversight. The role is intended for a lawyer who can translate banking and payments regulation into actionable advice that helps teams move quickly within Lead’s risk tolerance.

This attorney will work closely with Product, Program Management, Compliance, FinCrimes, Risk, Operations, Finance, and other legal team members to identify legal issues early, guide product design and operational decisions, and help the Bank scale its partner oversight and product review processes. This role is a key member of our risk team, reporting to Deputy General Counsel.

In this role you will:

- Provide legal and regulatory guidance for the Bank’s BaaS initiatives, including federal and state consumer lending and payments laws and regulations (TILA, ECOA, EFTA, FCRA, etc.), as well as privacy and information security.
- Provide legal and regulatory guidance to clients and internal teams for the Bank’s Payments initiatives, including federal and state consumer payments laws and regulations (EFTA, NACHA, GLBA, UDAAP, crypto, money transmission licensing, card network rules, etc.)
- Advise cross-functional teams on the application of consumer financial laws and related regulatory requirements in fintech environments, including consumer and commercial lending, deposit, payments, and hybrid products.
- Assess how product changes affect legal risk, operational controls, partner obligations, and required stakeholder approvals.
- Track legal and regulatory developments that may affect Lead’s BaaS and payments programs and help translate those developments into practical internal guidance.
- Help build scalable review processes, playbooks, and documentation that improve consistency and efficiency across the legal function.
- Perform other duties as assigned.

Qualifications:

- J.D. and active membership in good standing in at least one state bar.
- Approximately 6+ years of relevant legal experience in banking, fintech, payments, consumer financial services, or a comparable regulatory practice.
- Ability to understand, interpret, and apply banking and payments laws to novel products, partner models, and technology-enabled services.
- Experience reviewing or advising on consumer-facing product terms, disclosures, policies, or workflows.
- Strong legal judgment, analytical rigor, and comfort balancing legal, regulatory, operational, and business considerations.
- Strong communication skills and the ability to work cross-functionally with legal and non-legal stakeholders.
- Practical, collaborative approach and willingness to build processes in a fast-moving environment.
- Comfort leveraging AI tools to increase productivity and accuracy
- Intellectual curiosity, ownership mentality, and comfort operating in an environment where structures continue to evolve.
- Payment systems: Familiarity with operational and disclosure mechanics around how money movement products work including ACH, wires, card rails, FedNow, RTP preferred.
- Stablecoins/Crypto: Familiarity with stablecoin- or crypto-enabled payment programs preferred.
- Prepaid products: Familiarity with prepaid account and prepaid debit-card programs, including customer agreements, disclosures, error-resolution rights, and funds access preferred.

What we offer:

- Competitive compensation based on experience, geographic location, and role
- Medical, dental, vision, life, 401k matching, and other wellness benefits
- Flexible vacation policy
- A challenging and fulfilling opportunity to join an extremely experienced team in fintech
- A fun team environment where your career will be supported

*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

*Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

*Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.

Zone 1: $176,000 - $200,000 (SF/Bay Area, NYC, Seattle)

Zone 2: $166,000 - $195,000 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami)

Zone 3: $150,000 - $180,000 (Other US Metros)

## About Lead

## Company Overview
- **One-liner**: Lead is a state-chartered, FDIC-insured bank that provides programmable financial services and Banking-as-a-Service (BaaS) APIs, enabling fintechs and crypto companies to embed compliant banking products into their own platforms.
- **Entity Type**: Private (Series B)
- **Headquarters**: Sunnyvale, California, USA
- **Founded**: 1928 (original bank), relaunched as a fintech-focused BaaS platform
- **Founders**: Jacqueline Reses (CEO), Erica Khalili (CLO/Risk Officer), and a team of fintech and banking veterans

## Core Business
- **Primary Industry**: Financial Services / Banking-as-a-Service (BaaS)
- **Target Customers**: B2B — specifically Fintech companies, crypto platforms, and other businesses that want to embed financial services (lending, payments, card issuing, deposits) into their own products
- **Mission/Purpose**: “Define what’s possible in banking” by combining regulatory expertise with modern technology to support builders and innovators

## Products & Services
- **Lend (Lending API)**: Originate secured/unsecured term loans and lines of credit, with disbursement via the platform’s rails.
- **Issue (Card Issuing API)**: Issue debit, prepaid, and credit cards through a card-issuing processor; Lead handles settlement, network oversight, and compliance.
- **Move (Payments API)**: Send and receive payments across domestic (ACH, wires), international, and blockchain (stablecoin) rails.
- **Store (Deposit Accounts API)**: Hold customer funds in FDIC-insured, multi-currency deposit accounts with flexible account structures.
- **Partner Platform**: A unified compliance and oversight portal for partners to manage risk, KYC/KYB, and regulatory reporting.

## Market Standing
- **Valuation/Market Cap**: Not disclosed
- **Key Metric**: Total Funding of **$200M** across 3 rounds:
  - Series B (Oct 2024): **$70M** — led by **Andreessen Horowitz** and **Khosla Ventures**, with participation from 5 other investors
  - Private Equity Round (Aug 2022): **$100M** — 5 investors
  - Debt Financing (Mar 2021): **$30M**
- **Notable Investors/Partners**: Andreessen Horowitz, Khosla Ventures, Chainalysis (compliance partner)
- **Growth Signals**:
  - **265 employees**, up **77.2% YoY** (LinkedIn, mid-2025)
  - Headcount growth fueled by hiring from Pinwheel, Square, Stripe, Loop Crypto, and Block
  - Active job postings: 17 roles (quarterly growth +21.4%)
  - Ranked in *Inc.* America’s Best Startup Employers 2025, *Forbes* Best Places to Work 2025
  - Certified as a “Most Loved Workplace” for 2025
  - Won “BaaS Innovation Award” from American Banker (2022, 2023, 2025)
  - Acquired Loop Crypto in Jan 2024 to strengthen stablecoin capabilities

## Competitive Advantages
- **Bank Charter**: One of only a few de-novo banks built in the last two decades in the US — offers the compliance and regulatory infrastructure of a fully chartered, FDIC-insured bank while operating like a modern fintech.
- **Composability by Design**: Its four product pillars (Lend, Issue, Move, Store) can be used individually or together, allowing partners to assemble custom financial products without being locked into a monolithic stack.
- **Stablecoin Expertise**: With the acquisition of Loop Crypto and dedicated stablecoin leadership, Lead is positioned to help partners move money via blockchain rails compliantly.
- **Founder-Led**: Leadership team has deep fintech and banking experience (including building a de-novo bank previously), reducing the risk of regulatory friction for partners.

## Strategic Focus
- **Deepening Stablecoin & Crypto Capabilities**: Recent Chainalysis collaboration to enhance blockchain compliance. Stablecoin payments are a growing priority.
- **Scaling Platform Adoption**: Opening up APIs (additional endpoints in active development) and documentation (e.g., `llms.txt` for AI-readiness) to attract more developer-friendly partners.
- **Winning BaaS Market Share**: Targeting fintechs and crypto companies that are dissatisfied with legacy BaaS providers (a crowded space that includes Synapse, Treasury Prime, etc.).
- **Talent Growth & Culture**: Rapidly scaling headcount while maintaining recognition as a top workplace — key to attracting engineering and compliance talent.

## Why Work Here
- **Culture**: Certified Most Loved Workplace 2025. Operating principles include “Client Obsession,” “Champion Change & Innovation,” “Embrace Divergent Perspectives,” and “Owner Mentality” — indicating a high-trust, empowered environment.
- **Remote/Hybrid Policy**: The company has 7 offices across the US (Sunnyvale HQ, Kansas City, New York, San Francisco, and others) but job postings (e.g., Software Engineer, Technical Account Manager) do not explicitly state remote vs. in-office — likely hybrid or on-site for many roles.
- **Awards & Recognition**: *Inc.* America’s Best Startup Employers, *Forbes* Best Places to Work, *American Banker* BaaS Innovation Award — strong external validation of workplace quality.
- **Team Composition**: 51 technical employees (8% of workforce), heavily skewed toward specialists (103, 15%) and managers (45, 7%). Departments include Finance (98), Technical (51), Operations (21). Deep bench of talent drawn from Block, Stripe, Square, and Yahoo.
- **Perks**: Not explicitly listed on the careers page, but the culture emphasis on “owner mentality” suggests potential for equity, autonomy, and impact. The company is still in growth phase (Series B, recent 77% headcount growth) — likely means high ownership for new hires.
- **Who Should Apply**: Engineers (especially TypeScript, Python, blockchain), Technical Account Managers, Compliance/Risk specialists, and Product Leaders who want to work at the intersection of banking regulation and modern fintech.

## Sources
1. [lead.bank](https://www.lead.bank/)
2. [LinkedIn – Lead](https://www.linkedin.com/company/lead-bank)
3. [Explore Lead – Lead Bank](https://www.lead.bank/explore-lead)
4. [Most Loved Workplace Certified – Lead Bank Blog](https://www.lead.bank/blog-posts/most-loved-workplace-certified)
5. [Lead API Docs – What is Lead](https://docs.lead.bank/get-started/what-is-lead)

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