Legal Counsel IV RealPage
Overview
The Fintech Counsel serves as primary legal advisor supporting RealPage Payments operations. This role collaborates with SVP Legal & Compliance to execute product development and compliance strategies across ClientDirect ResidentDirect ClickPay and Livble. The Counsel delivers practical legal guidance on financial product design regulatory compliance consumer protection banking relationships and data rights ensuring each business unit operates within applicable legal frameworks while advancing strategic growth objectives.
What You'll Do26
- 1Provide legal review and guidance on design and launch of new and modified financial products and features across RealPage Payments platforms
- 2Partner with product engineering and business teams from ideation through go-to-market to identify and mitigate legal regulatory risk
- 3Advise on payment network rules card brand requirements ACH operating rules and applicable state and federal payment regulations
- 4Support development of consumer-facing disclosures agreements terms of service and product documentation for payment and lending products
- 5Evaluate product changes for licensing regulatory filing and change notification obligations
- 6Advise on compliance program requirements applicable to money services businesses payment processors and consumer lenders including BSA/AML OFAC and state money transmission laws
- 7Monitor and analyze emerging laws regulations agency guidance and enforcement actions affecting fintech payments and consumer lending communicating implications to leadership
- 8Provide legal guidance on Livble’s consumer lending activities including compliance with TILA ECOA FCRA and state lending laws
- 9Assist in maintaining compliance management system for in-scope business units
- 10Advise on consumer protection requirements applicable to payment processing and consumer lending including UDAAP Regulation E Regulation Z and state consumer protection statutes
- 11Review marketing materials disclosures and consumer-facing communications for compliance with consumer protection standards
- 12Support complaint management processes analyzing consumer complaint data and identifying remediation measures
- 13Advise on fair lending and fair banking obligations applicable to Livble and other in-scope business units
- 14Assist in preparation of consumer compliance risk assessments and periodic self-assessments
- 15Negotiate and draft agreements with banking partners payment networks processors and program managers
- 16Review and analyze sponsor bank agreements operating procedures and compliance requirements for each in-scope business unit
- 17Support ongoing management of banking and service provider relationships including compliance with contractual obligations and regulatory expectations
- 18Coordinate and support regulatory examinations supervisory inquiries and information requests from federal and state financial regulators
- 19Track examination findings and support implementation of corrective actions and remediation plans
- 20Maintain awareness of regulatory priorities and examination trends applicable to payments and consumer lending businesses
- 21Support maintenance of state money transmission licenses and other regulatory authorizations
- 22Advise on data rights data sharing and data monetization issues applicable to financial products and consumer financial data
- 23Provide guidance on application of financial privacy laws GLBA FCRA and state privacy statutes to payment processing money transmission and consumer lending activities
- 24Review data processing agreements data use policies and data sharing arrangements with banking partners and service providers
- 25Support compliance with open banking regulations and consumer data rights requirements
- 26Partner with privacy and information security teams to address data governance issues arising from financial product development and operations
Requirements14
- 1Juris Doctor J.D. from an ABA accredited law school and active bar membership in good standing
- 2Minimum five years of legal experience focusing on financial services payments money transmission or consumer financial products in a law firm or in-house legal department
- 3Prior experience at relevant governmental or regulatory agencies a plus
- 4Demonstrated experience advising on payment processing money services business operations and consumer lending programs
- 5Working knowledge of federal consumer financial laws including BSA/AML Regulation E Regulation Z TILA ECOA FCRA UDAAP and GLBA
- 6Experience reviewing and negotiating financial services agreements including bank partnership agreements payment processing agreements and vendor contracts
- 7Experience supporting regulatory examinations or supervisory inquiries by state or federal financial regulators
- 8Familiarity with state money transmission licensing requirements and NMLS
- 9In-house legal experience at a fintech company payment processor bank or financial services firm
- 10Experience with BaaS arrangements program management structures or sponsoring bank relationships
- 11Familiarity with CFPB supervision and examination processes
- 12Advice on consumer lending products including point-of-sale financing rent-related credit products or installment lending
- 13Knowledge of open banking and consumer financial data access requirements
- 14Experience in a PropTech SaaS or technology company with embedded financial products
Salary Insight
$138 - $236k per year
Location
Required Skills
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