Assistant General Counsel

The role:

SoFi is seeking an attorney with strong experience in consumer finance and banking regulation to support SoFi Bank’s deposit and cash management products, as well as certain member-facing programs. The role will focus on advising SoFi Checking and Savings, SoFi Money, and Samsung Money by SoFi, along with SoFi’s Pay in 4 and Global Remittance Transfer products. The attorney will also support SoFi’s premium membership program, SoFi Plus, as well as the SoFi’s Rewards and Referral programs and SoFi’s AI-enabled Support Chat. The ideal candidate brings a deep understanding of deposit operations, consumer protection laws, and bank regulatory requirements and can translate those rules into clear, actionable guidance for business, product, and engineering partners.

What you’ll do: 

• Provide day-to-day legal advice for SoFi Bank’s deposit and cash management products, including SoFi Checking and Savings, SoFi Money, and Samsung Money by SoFi.
• Counsel teams on product design, disclosures, and operations involving deposit and cash management accounts.
• Review and approve marketing, UX flows, and customer communications to ensure compliance with advertising and disclosure obligations.
• Advise on interest rate, funds availability, and deposit insurance requirements under Regulation DD, Regulation CC, and FDIC rules.
• Collaborate with compliance and risk teams on UDAAP, privacy, BSA/AML, and sanctions considerations.
• Support SoFi’s Pay in 4 and Global Remittance Transfer products, including regulatory analysis under Regulation E and related CFPB requirements.
• Provide guidance for SoFi Plus, SoFi Rewards, and SoFi Referral programs, including offer structures and disclosure compliance.
• Support development of SoFi’s AI-enabled Support Chat, with attention to consumer protection and privacy laws.
• Monitor and interpret regulatory developments affecting deposits, BNPL, and remittance products, and communicate implications to stakeholders.
• Draft and negotiate related commercial contracts and coordinate with external partners and regulators as needed.

What you’ll need:

• You should be an intellectually curious self-starter with strong written and oral communication skills
• JD from an accredited law school
• Member of the applicable bar
• 4 to 6  years of experience in consumer financial services and banking regulation, including experience with a major law firm and/or in-house counsel experience with a major financial institution. 
• Detailed knowledge of key consumer banking regulations, including: Regulation DD (Truth in Savings Act); Regulation E (Electronic Funds Transfers); Regulation CC (Funds Availability); UDAAP (Unfair, Deceptive, or Abusive Acts or Practices); FDIC deposit insurance and signage rules; Bank Secrecy Act / AML / OFAC; Regulation P and the Gramm-Leach-Bliley Act (Privacy); NACHA rules and card network requirements relevant to debit activity; and familiarity with remittance transfer rules under Regulation E, Subpart B. 
• Strong written and verbal communication skills and the ability to advise across technical and non-technical teams.
• A practical, business-minded approach to balancing legal risk and innovation in a dynamic fintech environment.