---
title: 'Sr Director, Assistant General Counsel, Product & Regulatory at Dave'
canonical: 'https://feeny.ai/job/sr-director-assistant-general-counsel-product-regulatory-dave-united-states-t2g2xmq9sn06'
type: 'job'
last_seen: '2026-10-14'
---

# Sr Director, Assistant General Counsel, Product & Regulatory at Dave

- **Company:** Dave
- **Location:** United States
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-09-29
- **Last confirmed live:** 2026-10-14
- **Apply:** https://jobs.ashbyhq.com/dave/31532347-918a-4635-a9be-3aaf5a1e9ada

## Job description

Dave vs. Goliath. We’re Dave. Dave is a financial app on a mission to build products that level the financial playing field. It is redefining the financial landscape by leveraging technology to create an affordable, transparent, and user-centric access to liquidity for millions of Americans. As a leading innovator in the U.S. financial services sector, Dave’s digital financial platform offers products designed to meet the credit needs of those underserved by traditional financial institutions. Dave’s offerings include its flagship ExtraCash product, providing members up to $500 within minutes. The company is on track to launch several new product offerings in 2026, including a Buy Now Pay Later (BNPL) option.

Dave is focused on serving Americans who are financially vulnerable or living paycheck to paycheck. Dave is leading the charge in creating a new era of credit products that prioritizes speed, affordability, and accessibility, making it the go-to financial partner for those who need it most.

We’re looking for a Senior Director, Assistant General Counsel, Product & Regulatory to lead legal strategy across Dave’s consumer financial products and regulatory landscape. You’ll be a senior advisor to Product, Risk, Compliance, and executive leadership while developing a strong team that helps Dave build responsibly and move with confidence.

The Opportunity This role sits at the intersection of product innovation, consumer financial regulation, and business strategy. You’ll shape how Dave approaches legal risk across banking, lending, payments, subscriptions, and emerging products while helping teams translate complex requirements into practical decisions. You’ll lead a team of senior legal professionals, set the strategy for product and regulatory counseling, and serve as a trusted advisor on Dave’s most complex product, bank partner, licensing, and regulatory matters.

## What You’ll Build and Own

- Lead legal strategy for Dave’s banking, lending, payments, neobanking, and subscription products, partnering with Product, Design, Marketing, Engineering, Security, Risk, and Compliance from early concept through launch and ongoing operations.
- Advise on product structure, onboarding, disclosures, pricing, servicing, and terms, helping teams balance member experience, business objectives, and legal and 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 needs.

The Impact Your work will influence how Dave designs and scales products used by millions of members. By connecting regulatory requirements with practical business decisions, you’ll help Dave continue building accessible financial products while strengthening the systems that support responsible growth.

## What We’re Looking For

- 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 the ability to make complex legal and regulatory issues clear to senior leaders and, when needed, the Board.

Bonus Points

- 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.

What Makes Someone Successful Here You bring strong judgment and understand that great legal counsel goes beyond identifying risk. You connect the dots across product, regulation, member experience, operations, and business strategy, and you help teams make thoughtful trade-offs. You’re comfortable owning ambiguous, high-impact matters and shaping a path forward when precedent is limited. You also get results through others. You set clear expectations, give useful feedback, develop talent, and create systems that help the team operate consistently at a high level. You collaborate early, build trust across functions, and adjust as new information changes the picture without losing sight of long-term outcomes.

What to Expect You’ll have meaningful autonomy and a broad mandate. The regulatory environment and product roadmap will continue to evolve, so not every answer will be defined in advance—you’ll help shape the approach. This is a highly collaborative role 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.

## Why Join

- Shape legal strategy across a growing portfolio of consumer financial products.
- Have direct influence on product, regulatory, and business decisions.
- Build and develop a senior legal team with meaningful scope.
- Work on complex questions at the intersection of fintech innovation and consumer protection.
- Help Dave continue building financial products designed to give members greater access to their own money.

Ready to build for the underdog?

Don’t let imposter syndrome get in the way of an incredible opportunity. We’re looking for people who can help us achieve our mission and vision, not just check off the boxes. If you’re excited about this role, we encourage you to apply. You may just be the right candidate for this or other roles.

Why you’ll love working here: At Dave, our people are just as important as our product. Our culture reflects the values that guide who we are, how we work, and what we aspire to be. Daves are member-centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual-first company, team members can live and work anywhere in the United States, except Hawaii.

A few of our benefits & perks: 💚 Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals 💻 Flexible hours and virtual-first work culture with a home office stipend 🏥 Premium Medical, Dental, and Vision Insurance plans 👶 Generous paid parental and caregiver leave 💰 401(k) savings plan with matching contributions 📈 Financial advisor and financial wellness support 🏖️ Flexible PTO and generous company holidays, including Juneteenth and Winter Break 🎉 All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team

Dave Operating LLC is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.

## #LI-REMOTE

## About Dave

## Company Overview
- **One-liner**: Dave is a US neobank building AI-powered financial products that provide short-term liquidity and cash flow management tools for everyday Americans.
- **Entity Type**: Public (Ticker: DAVE on Nasdaq)
- **Headquarters**: Los Angeles, California, USA
- **Founded**: 2017
- **Founders**: Jason Wilk

## Core Business
- **Primary industry/industries**: Consumer fintech, neobanking, short-term credit, AI-powered underwriting
- **Target customers**: 185 million Americans who regularly need help covering basic necessities between paychecks; primarily B2C with a focus on underbanked and credit-challenged consumers
- **Mission or purpose statement**: To level the financial playing field for Americans who need it most

## Products & Services
- **ExtraCash®**: Flagship product; cash advance of up to $500 between paychecks with no credit check, no late fees, and no compound interest. Clear pricing at $5 per $100 borrowed. Uses CashAI™ for underwriting.
- **CashAI™**: Proprietary AI underwriting model that analyzes cash flow (not credit scores) across 180+ data points including income, bank balance, spending patterns, and transaction history. Processes billions of data points to deliver high credit limits and low loss rates.
- **DaveGPT**: Generative AI assistant integrated into the app for real-time member support, handling account management, direct deposit setup, ExtraCash management, and general questions.
- **Pay In Four Card (forthcoming)**: A short-term credit product aimed at disrupting subprime credit cards with no credit check, late fees, or compound interest, expected to launch in future.

## Market Standing
- **Valuation/Market Cap**: ~$555.9 million market cap as of 2025
- **Key Metric**: Over 14 million members; CashAI has originated more than 180 million transactions; loss rates declined to nearly 1% while originations per user grew triple digits; customer acquisition cost under $20 (vs. incumbents spending hundreds)
- **Notable Investors/Partners**: Publicly traded; leadership team includes Jason Wilk (Co-Founder & CEO), Kyle Beilman (CFO & COO), Kevin Frisch (CMO), Joan Aristei (CLO)
- **Growth Signals**: 30% of new members join via word of mouth; triple-digit growth in originations per user; loss rates declining to near 1%; developing next-generation Pay In Four card; mission-driven growth narrative

## Competitive Advantages
- **CashAI moat**: Proprietary cash-flow underwriting engine that delivers better outcomes for short-duration liquidity than traditional FICO scoring, leading to higher credit limits and lower loss rates
- **Member-centric, transparent pricing**: Flat fee structure ($5 per $100) with no hidden terms, no compound interest, and no debt sent to collections
- **Low-cost customer acquisition**: Word-of-mouth referrals drive 30% of new members at a fraction of incumbent marketing costs (<$20 vs. hundreds of dollars)
- **Speed to value**: Members can be approved for up to $500 within minutes of joining, creating a strong conversion funnel

## Strategic Focus
- **Scale the flagship**: Continue growing ExtraCash membership and transaction volume, leveraging word-of-mouth flywheel and AI-driven underwriting
- **Build next-generation credit**: Develop the Pay In Four card as a new product line aimed at subprime credit card replacement
- **Deepen AI capabilities**: Continue refining CashAI and DaveGPT as core infrastructure for underwriting and member support
- **Operating efficiency**: Maintain low operating costs to pass savings to members and sustain competitive pricing

## Why Work Here
- **Fully remote-first**: Dave is a fully virtual company; team members can work from anywhere in the U.S. (except Hawaii for now); company brings the team together 1–2 times per year plus team offsites [dave.com](https://dave.com/careers)
- **Same competitive pay regardless of location**: Compensation is not differentiated by employee work location [dave.com](https://dave.com/careers)
- **Culture values**: Member-centric, helpful, transparent, persistent, "better together" [dave.com](https://dave.com/about)
- **Benefits**: 401(k) with company match, free financial advising, generous parental and caregiver leave, comprehensive health/dental/vision/disability/life insurance, flexible PTO, Juneteenth and winter break off [dave.com](https://dave.com/careers)
- **Open roles**: Active hiring in Software Engineering, Data Analytics, Machine Learning Platform Engineering, Product Management, Security & IT (9 current openings) [jobs.ashbyhq.com](https://jobs.ashbyhq.com/dave)
- **Mission-driven**: Focus on building products that level the financial playing field for everyday Americans [dave.com](https://dave.com/about)

## Sources
1. [dave.com - About Page](https://dave.com/about)
2. [dave.com - Careers Page](https://dave.com/careers)
3. [investors.dave.com - Our Story](https://investors.dave.com/our-story)
4. [jobs.ashbyhq.com - Dave Jobs](https://jobs.ashbyhq.com/dave)
5. [linkedin.com - Dave Jobs](https://www.linkedin.com/company/dave-com/jobs)

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