Associate General Counsel

UnitedHealth Group•Eden Prairie, MN

7h•$134,600 - $230,800•Remote

About The Position

The Associate General Counsel will support the Commercial Payments business on a broad range of payments products and services, including card programs, digital payments, and embedded finance offerings. This role partners with product, compliance, risk, and sales teams to structure, launch, and scale payment solutions while managing regulatory and contractual risk. This position requires deep experience in payments law, card network rules, and financial services regulation, along with strong commercial drafting and advisory skills. You’ll enjoy the flexibility to work remotely from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Requirements

Juris Doctorate degree and active license to practice law
5+ years of relevant experience at a law firm, financial institution, or fintech company
Demonstrated experience with payments, card programs, or financial services regulation
Knowledge of the key legal and regulatory frameworks applicable to the payments space, such as Reg E, Reg Z, UDAP/UDAAP, BSA/AML, card network and money transmission rules
Experience drafting, reviewing, and negotiating complex agreements, providing strategic legal guidance to support business objectives and mitigate risk
Proven ability to build and maintain rapport with colleagues and external company contacts
Proven ability to independently make decisions regarding complex legal and corporate issues
Solid verbal and written communication skills
Sound judgment and business instincts
Ability to lead people and change
Ability to delegate work and operate in a matrixed environment
Prior law firm and in-house experience are desired

Nice To Haves

Deep familiarity with Card network rules and operating regulations
Deep familiarity with Issuer/processor/program manager ecosystem
Deep familiarity with Embedded finance and fintech partnerships
Experience advising on Reg E/Reg Z applicability and product structuring
Experience advising on BaaS (Banking-as-a-Service) or sponsor bank models
Experience advising on Commercial negotiations in high-growth or technology environments

Responsibilities

Advise on legal and regulatory requirements applicable to payment products (credit, debit, prepaid, virtual cards, wallets, and account-based payments)
Interpret and apply key frameworks, including: Reg E, Reg Z, UDAP/UDAAP, BSA/AML, Card network rules, Money transmission rules
Provide real-time guidance to product and business teams on feature design, disclosures, and risk mitigation
Draft, review, and negotiate complex agreements, including: Issuer/processor agreements, Program manager/fintech partner agreements, Merchant/acquirer agreements, BIN sponsorship arrangements
Structure revenue models (interchange sharing, fees, incentives) with legal and regulatory considerations in mind
Identify legal and regulatory risks associated with new and existing payment programs
Partner with compliance and risk teams to implement appropriate controls
Support audits, regulatory inquiries, and internal governance processes
Advise on go-to-market strategies and product expansion initiatives
Support partnerships, vendor arrangements, and strategic transactions
Provide business-oriented, practical legal solutions aligned with company risk tolerance