Fintech Product & Regulatory Counsel

Real is a fast-growing national real estate brokerage powered by technology. Real is currently operating in all U.S. states, Canada, and the District of Columbia. Founded in 2014, Real is a trailblazer in the Residential Real Estate industry, as we lead the disruption with our cutting-edge technology platform. We are on a mission to revolutionize the home-buying and selling process, making agents' lives better while creating lucrative financial opportunities for them.

For more information, visit https://www.onereal.com/

Location: Remote - US. Candidates MUST be based in the United States to be considered.

Job Summary:

Real is seeking a Fintech Product & Regulatory Counsel to join our Legal team. This role will be instrumental in advising on legal and regulatory risks associated with the company’s financial products, specifically supporting Real Wallet and One Real Mortgage, a subsidiary of Real Brokerage. You will navigate the complex regulatory landscape of both fintech and mortgage services, ensuring compliance while enabling innovation and business growth.

In this role, you will collaborate closely with internal teams—including product, business, and marketing—to proactively address legal challenges, mitigate risks, and drive solutions that align with strategic objectives.

Duties/Responsibilities:

• Legal & Regulatory Counsel: Provide guidance to product and business teams throughout the product development lifecycle, ensuring compliance with applicable legal and regulatory requirements.

• Risk Identification & Mitigation: Proactively identify potential legal and regulatory risks and collaborate with business partners to propose practical, business-focused solutions.

• Commercial Agreements: Draft, review, and negotiate commercial agreements that support product development and enterprise-wide initiatives.

• Industry Knowledge: Stay updated on the latest laws, regulations, and trends within the fintech and financial services industries, particularly consumer protection laws.

• Collaboration with Marketing: Work closely with the marketing and go-to-market teams to ensure that all consumer-facing materials and campaigns comply with legal and regulatory standards.

• Cross-functional Collaboration: Partner with the broader Legal & Compliance team on various corporate and enterprise-wide initiatives as needed.

Required Skills/Abilities: 

• Strong understanding of regulatory compliance, particularly within the fintech and embedded finance sectors.

• In-depth knowledge of consumer protection laws and regulations, including but not limited to TILA, RESPA, ECOA, FCRA, BSA/AML, UDAAP, and GLBA.

• Ability to anticipate, identify, and address legal and regulatory risks specific to embedded financial products (e.g., Banking-as-a-Service (BaaS), digital wallets, lending, payments).

• Experience drafting and negotiating complex commercial agreements specific to fintech and embedded financial products, such as Banking-as-a-Service (BaaS), payments, lending, or digital wallets.

• Familiarity with third-party fintech partnerships and working with banks, payment processors, and regulatory bodies to ensure compliance.

• A strong willingness to learn new technology and the digital tools used within the fintech and embedded finance space. Digital fluency or the ability to quickly understand tech concepts is essential.

• Experience working with cross-functional teams, including product, engineering, compliance, and marketing, to align legal strategy with business goals.

Education and Experience:

• Juris Doctor (JD) from an accredited law school.

• 10+ years of experience in a law firm or in-house legal department, with significant hands-on experience advising on regulatory compliance for fintech, embedded finance, or digital financial services.

• Proven experience working directly with product and engineering teams to support product development, ensure regulatory compliance, and drive innovation is a requirement.

• Practical experience with consumer protection laws, including TILA, RESPA, ECOA, FCRA, BSA/AML, UDAAP, and GLBA, as they relate to fintech and embedded finance.

• Any relevant certifications (e.g., Certified Regulatory Compliance Manager (CRCM), fintech law certifications, bar admissions, or other regulatory qualifications).

Must Have:

• Ability to truly encompass our Company Core Values

  • Work Hard, Be Kind

  • Tech x Humanity

  • “We” are bigger than “me”

Physical Requirements: 

• Sit for long periods of time

REAL is proud to be an equal opportunity workplace employer. We are committed to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status.