Senior Product Counsel

Whop•Brooklyn, NY

23h•Onsite

About The Position

Whop is hiring a Senior Product Counsel to serve as the primary legal partner to its product, engineering, payments and risk teams. The role advises on the design, launch and operation of payments, payouts and marketplace products, with a focus on payments regulation, consumer protection and platform liability. The counsel will work with product teams from the earliest stages of development to identify legal and regulatory requirements and find practical paths to launch, engaging outside counsel selectively for specialist and jurisdiction-specific questions. The position covers payment products and partnerships, financial crimes compliance, marketplace and platform issues, consumer protection, user-facing terms and policies, privacy, data and AI, international launches, regulatory engagement, and scalable product-review guidance. It also involves supporting licensing applications, regulator inquiries and examinations, and coordinating with local counsel on international requirements. Whop is an in-office company of about 100 people. This role is based in Brooklyn, New York, or Palo Alto, California, and is in office five days a week. It reports to the General Counsel. Whop describes its working culture as emphasizing rigor, root-cause thinking, candor and alignment, while offering team members ownership, resources and autonomy. The role's base salary range has not yet been provided; total compensation includes equity.

Requirements

5–10 years of legal experience, with substantial experience advising on payments, fintech or financial services products.
JD and admission to the New York or California bar, or eligibility to register as in-house counsel.
Working knowledge of U.S. payments regulation, including money transmission, BSA/AML, sanctions, card network rules and the bank partnership model.
Experience advising online marketplaces or platforms on consumer protection and intermediary liability issues.
Ability to translate complex regulatory requirements into clear, practical guidance for product and engineering teams.
Sound judgment about regulatory risk, including distinguishing firm requirements from areas where a reasonable, well-documented position is possible.
Experience using AI tools to improve the efficiency and quality of legal work.

Nice To Haves

Experience with state money transmitter licensing or regulatory examinations.
Experience with international payments regulation, including EU payment services and e-money rules or Latin American payments regimes.
Creator economy, digital goods or subscription business experience.
Familiarity with trust and safety operations and content moderation.
Background as a fintech, payments or financial regulatory associate at a leading law firm advising payment companies, marketplaces or banks on product and licensing questions.
In-house product or regulatory counsel experience at a payments company, fintech, online marketplace or creator platform.
Law firm, in-house or government experience at a financial regulator combined with product or operating experience.

Responsibilities

Advise on pay-ins, payouts, embedded checkout, stored balances, multi-currency flows and API products, including money transmission and licensing analysis, payment facilitator and marketplace models, and allocation of regulatory responsibility with sponsor banks and processors.
Interpret and operationalize card network rules and bank and processor partner requirements, and support related audits, reviews and onboarding.
Partner with risk and compliance teams on BSA/AML, KYC/KYB, sanctions and fraud programs as they apply to product design and merchant onboarding.
Advise on seller verification and transparency obligations, including the INFORM Consumers Act and EU Digital Services Act; content and prohibited-products policies; intermediary liability; DMCA processes; and Section 230.
Advise on subscriptions, automatic renewal and negative option rules, refunds and disputes, pricing and fee disclosures, UDAP/UDAAP, and FTC guidance on endorsements and affiliate marketing.
Own Whop's user-facing terms, seller and buyer agreements, acceptable use and prohibited-business policies, and in-product disclosures.
Advise on privacy-by-design, data use and AI-enabled features, and work with the commercial team on DPAs and customer-facing commitments.
Assess regulatory requirements for launches in Canada, Brazil, Mexico, Germany, France and Colombia, and coordinate with local counsel.
Support licensing applications, regulator inquiries and examinations, and track legislative and regulatory developments affecting Whop's products.
Build product-review processes, launch checklists and guidance that help product teams move quickly without sacrificing compliance.