About ONE

ONE is on a mission to help people live healthier financial lives. We’re doing this by creating simple solutions to help our customers save, spend, and grow their money – all in one place. 

The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances. 

What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent. 

There’s never been a better moment to build a business that helps people live healthier financial lives. Come build with us!

The role

As Product Counsel, your mandate is to advise a fast-moving, dynamic company that is ready to scale its business and processes. This role will impact ONE’s vision by helping the company launch and market new products in compliance with relevant consumer protection laws. You will work closely with the Product, Marketing, Engineering and Operations teams to provide business-oriented advice and support at every step of the product life-cycle, from design and development to customer operations, marketing and advertising activities, and to counsel the product and business teams on applicable laws and regulations relating to consumer protection. This role reports to the Head Product Counsel. 

This role is responsible for: 

• Primarily supporting product offerings and providing legal and regulatory guidance as the product team develops, implements, and updates One’s products and services
• Serving as a trusted advisor to senior business leaders to help drive ONE's strategies and initiatives
• Providing timely, concise and business-focused legal advice on consumer banking, lending and payments law, including federal and state consumer financial laws, consumer protection laws, and new rules, enforcement actions and other guidance coming out of federal and state agencies
• Developing and maintaining subject matter expertise across the U.S. deposits, lending and payment space, including familiarity with regulations such as UDAAP, Fair Lending, ECOA, FCRA, FDCPA, Reg E, and Reg Z
• Driving best practices and knowledge-sharing with legal and compliance colleagues 
• Assisting with managing product and marketing approvals processes, both internally and with bank partners and other key stakeholders
• Draft and maintain consumer-facing legal policies, documents and related materials, including terms and conditions, product policies and disclosures, and implement related processes

You bring

• Expert Career (10+ Years) 
• An act-like-an-owner mentality. We have a bias toward taking action.
• J.D. and admission to the bar and in good standing 
• Relevant work experience advising consumer finance companies 
• Command of the laws and regulations governing payments and consumer lending 

Pay Transparency

The estimated annual base salary for this position ranges from $250,000 to $275,000. Pay is generally based upon the level, complexity, responsibility, and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.

What it’s like working @ ONE

Our teams collaborate remotely and in our work spaces in New York and Sacramento. 

• Competitive cash
• Benefits effective on day one 
• Early access to a high potential, high growth fintech
• Generous stock option packages in an early-stage startup
• Remote friendly (anywhere in the US) and office friendly - you pick the schedule
• Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave
• 401(k) plan with match

Leveling Philosophy

In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at ONE. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within ONE.

Inclusion & Belonging

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@one.app.

For additional questions around our interview process, please check out our Candidate FAQs.