Payments Legal – Consumer & Community Banking - Vice President

JPMorgan Chase & Co.•New York, NY

About The Position

Help shape the future of payments at JPMorganChase, advising on cutting-edge Digital Assets initiatives alongside modernization initiatives core banking payment rails. Partner with product and business leaders to deliver legally sound strategies, disclosures, data-use guidance, and customer-facing communications. Stay ahead of rapidly evolving laws and regulations, engaging in advocacy and translating regulatory change into practical product decisions. If you thrive at the intersection of law, technology, and innovation, this role puts you at the center of what’s next. As a Vice President in Payments Legal for Consumer & Community Banking (CCB), you will support the CCB Payments Legal team, with primary support for CCB’s Digital Assets business and additional support for our team’s legal support of Banking Payments, Wallets, Open Banking, and Consortia Investments. As a lawyer on this team, you will assist in supporting products across these coverage areas: providing product counsel, legal counseling regarding strategy and business decisions, conducting content reviews for customer-facing material, guidance on data use, monitoring and engaging in advocacy regarding emerging laws and regulations, and updating agreements and terms and conditions. You will join a team of lawyers and legal professionals who combine deep payments expertise with knowledge of emerging technologies. If you are intellectually curious, passionate about innovation in financial services, and eager to work at the intersection of law and technology in a fast-paced environment, you may be the perfect fit for our team. The Legal Department at JPMorganChase & Co. manages legal and other risks, advises on products and services, interprets laws and regulations that impact the firm, and advises the firm on other matters. Our global team is made up of 2,000 lawyers and legal professionals with a reputation as thought leaders who deliver best-in-class services. As trusted advisors, we help the firm's clients while also safeguarding the integrity of the firm. We are committed to a culture of inclusivity and belonging, where people can grow and succeed throughout their careers while working for a first-in-class financial institution doing cutting-edge work. If these values resonate with you, we would like to hear from you.

Requirements

Lawyer qualified to practice in the United States (active bar membership in at least one U.S. jurisdiction) with a minimum of 5 years experience.
Background in financial services regulation or supporting another highly regulated business.
Proactive problem-solver who is not afraid to explore new technologies and can demonstrate a thoughtful approach to testing and incorporating new tools into a professional environment.
Excellent legal research and writing skills, with the ability to summarize legal and regulatory developments clearly and concisely for distribution to a non-legal audience.
Ability to develop strong relationships with the business, corporate functions, and fellow legal and support professionals.
Detail oriented with strong organizational and project management skills.
A true “self-starter” with the ability to work independently to manage competing priorities and coordinate among a wide range of internal stakeholders.

Nice To Haves

Digital assets experience, including advising on digital asset or tokenized value products/services (e.g., crypto, stablecoins, blockchain-based use cases) and associated regulatory considerations.
Familiarity with international and federal regulation of digital asset financial products and services.
Payments networks and rules expertise, including familiarity with account-to-account and/or bank payment networks and related network operating rules, scheme/industry rulebooks, and contractual frameworks.

Responsibilities

Provide practical, risk-based legal guidance across digital assets, banking payments, wallets, open banking, and consortia investments.
Advise product and business leaders on strategy, product design, and risk decisions for new and evolving payment capabilities.
Support initiatives involving emerging payment technologies and partner-enabled capabilities, including governance approvals and issue escalation.
Review customer-facing content to ensure clear, accurate, and compliant disclosures and communications.
Draft and update agreements, disclosures, and terms and conditions to support product development and ongoing operations.
Negotiate commercial and product documentation with partners, vendors, and other third parties.
Assess proposed data use cases and recommend compliant approaches to data access, sharing, consent, and connectivity.
Monitor laws, regulations, enforcement trends, and industry standards impacting covered products and services.
Summarize regulatory developments for stakeholders and translate requirements into actionable product and process changes.
Identify legal and regulatory issues early and escalate material risks with clear options and recommendations.
Contribute to the development and maintenance of related policies, procedures, and controls.