Bill Pay Counsel

Brex•Seattle, WA

23h•Hybrid

About The Position

Brex is seeking a Bill Pay Counsel to join their Legal team. This role will be instrumental in building, scaling, and improving Brex's bill pay product and related payment offerings globally. The counsel will act as a subject matter expert on money transmission and payments regulation, providing strategic advice on risk and regulatory ambiguity. They will be embedded with engineering, design, and product teams, translating complex regulatory requirements into practical product decisions and ensuring compliance while enabling rapid feature development. Collaboration with cross-functional teams such as compliance, risk, marketing, sales, partnerships, and bank/payment network relationships will be key to finding creative business solutions. The ideal candidate will possess a strong understanding of breaking down projects into first principles, managing them from concept to release, and knowing when to leverage internal expertise versus external counsel.

Requirements

4+ years working experience in a combination of law firms and fintech companies, ideally advising on money transmission, payments, and money movement matters for regulated financial products
Familiarity with federal, state, and international money transmission and payments laws and regulations, including state money transmitter licensing, the Bank Secrecy Act/AML requirements, EFTA/Regulation E, NACHA operating rules, and required disclosures
Excellent written and verbal communication skills, both internal (memos, guides, presentations) and external (customer agreements, terms, disclosures, customer communications)
Ownership mentality and comfort working on complex matters that require sound judgment
Entrepreneurial mindset and ability to work in a fast-paced environment
Law degree and admitted to practice in at least one jurisdiction
Willingness to be a team player who pitches in to help out on other products and topics; one of our key tenets is "One Brex"

Nice To Haves

Prior in-house counsel experience at a scaling fintech, payments, or money movement company
Experience negotiating with or managing bank partner and payments-network relationships
Experience interacting directly with regulatory agencies

Responsibilities

Serve as the embedded legal partner to engineering, design, and product teams building bill pay and payments features, advising in real time as products are designed and built
Provide pragmatic, actionable advice on money transmission requirements and best practices for existing and new bill pay and payments products
Advise on the regulatory implications of product architecture, payment flows, fund movement, and feature design, helping teams make sound build-versus-defer decisions
Advise a variety of cross-functional partners on critical money transmission and payments regulatory questions
Track and analyze US state and federal money transmission laws, along with relevant international payments regulations, and help Brex stay ahead of regulatory change affecting bill pay
Advise on product and marketing collateral, customer communications, and disclosures for bill pay and payments products
Draft, update, and maintain customer agreements, terms, and disclosures for bill pay and money movement products
Support licensing, bank partner, and payments-network requirements as they relate to product launches