Column

Compliance

• Execute a comprehensive onboarding framework:
• Enhance existing procedures, requirements, and processes for onboarding correspondent banks globally
• Run the diligence process for new countries and be responsible for mapping all geo-specific risks, writing country risk assessments, and designing rules and systems to detect and monitor these risks.
• Execute the onboarding process for new correspondent bank partners according to the framework, policies, and procedures developed.
• Lead the periodic review process for partner banks.
• Support ongoing monitoring:
• Partner with other Compliance and Risk stakeholders to refine and execute ongoing monitoring expectations for correspondent banking relationships, including periodic reviews, trigger events, and escalation criteria
• Support business development conversations:
• Be a partner to our Go-to-Market (GTM) team as they build relationships and sell to prospective banks.
• Help our GTM evaluate good target customers.
• Educate prospective customers on what it’s like to work with Column and our risk and compliance teams.
• Support new product build out:
• Work closely with GTM and Business teams to coordinate product rollouts and navigate regional risks.
• Provide clear guardrails and discovery guidance to streamline customer engagement.
• Create and deliver customer-facing documentation, ensuring clarity and compliance (e.g., requirements for bank customers).

Correspondent Banking Compliance

Spanish

• Own the end-to-end process of identifying, evaluating, and executing on high-value partnerships
• Serve as the primary relationship owner for prospective and existing customers
• Lead complex deal processes from initial outreach through contract signature
• Gather and synthesize insights on local market conditions, regulatory developments, competitive landscape, and customer needs
• Become an expert on the correspondent banking space in key emerging markets
• Build scalable processes for onboarding, relationship management, and ongoing support

Emerging Markets Lead – Latin America, Spanish speaking

Account Manager

• Structure Bank-Fintech Payments Partnerships End-to-End: Lead the legal structuring of ACH origination and receipt, wire transfers, card issuing and acquiring, card network rules, scheme compliance, payment processor relationships, push-to-card, and instant payment capabilities. Draft and review key customer-facing terms and marketing materials, structure onboarding flows and applications, determine BSA/AML requirements, conduct true lender analyses, and own every legal detail of rolling out a new Column-backed product. Work closely with engineering to design a flow-of-funds model and reflect that product structure in legal documentation.
• Own complex agreements end-to-end: Structure, draft, and negotiate complex customer and third-party partnership agreements covering a broad range of banking products and services.
• Drive Product Strategy & Innovation: Be the strategic legal voice enabling product innovation across our credit and lending portfolio. Partner closely with business teams and fintech partners from ideation through launch, anticipating challenges and architecting creative solutions that balance business needs with regulatory requirements. Advise on credit product structuring, and the legal implications of new lending features and partnership models.
• Own Regulatory Architecture: Build and evolve regulatory frameworks for existing and new products. Leverage your deep expertise in Reg E, NACHA rules, card network rules, money transmission, TISA, Reg CC, UCC Article 4A, and the evolving frameworks for real-time payments. Partner with compliance and risk teams to develop scalable approaches that protect the business while enabling growth.
• Lead Subject Matter Expertise: Be a go-to authority on legal and regulatory requirements impacting payments products. Share insights on regulatory developments and their practical implications. Help establish Column as a thought leader in banking infrastructure.
• Leverage Technology & AI: Embrace and drive the adoption of technology — including AI and automation tools — to increase the efficiency, speed, and scalability of legal workflows. Identify opportunities to use AI and partner with engineering teams to build legal tooling that gives Column a structural advantage.
• Scale Operations: Design and implement legal processes that can scale with hypergrowth. Improve partner onboarding efficiency while maintaining robust compliance. Build repeatable frameworks that enable the business to move faster. Develop template loan program agreements, disclosure packages, and servicing frameworks that accelerate new partnership launches.

Senior Counsel, Strategic Partnerships – Payments

• Structure Bank-Fintech Lending Partnerships: Lead the legal structuring of loan agreements, line of credit products, EWA lending and non-lending offerings, and BNPL partnerships. Draft and review key customer-facing terms and marketing materials, structure onboarding flows and applications, determine BSA/AML requirements, conduct true lender analyses, and own every legal detail of rolling out a new Column-backed product. Work closely with engineering to design a flow-of-funds model and reflect that product structure in legal documentation.
• Own complex agreements end-to-end: Structure, draft, and negotiate complex customer and third-party partnership agreements covering a broad range of banking products and services.
• Drive Product Strategy & Innovation: Be the strategic legal voice enabling product innovation across our credit and lending portfolio. Partner closely with business teams and fintech partners from ideation through launch, anticipating challenges and architecting creative solutions that balance business needs with regulatory requirements. Advise on credit product structuring, and the legal implications of new lending features and partnership models.
• Own Regulatory Architecture: Build and evolve regulatory frameworks for existing and new products. Leverage your deep expertise in TILA, ECOA, UDAAP, FCRA, state usury and licensing laws, the evolving EWA space, federal preemption, and true lender risk. Partner with compliance and risk teams to develop scalable approaches that protect the business while enabling growth.
• Lead Subject Matter Expertise: Be a go-to authority on legal and regulatory requirements impacting the credit and lending business lines. Share insights on regulatory developments and their practical implications. Help establish Column as a thought leader in banking infrastructure.
• Leverage Technology & AI: Embrace and drive the adoption of technology — including AI and automation tools — to increase the efficiency, speed, and scalability of legal workflows. Identify opportunities to use AI and partner with engineering teams to build legal tooling that gives Column a structural advantage.
• Scale Operations: Design and implement legal processes that can scale with hypergrowth. Improve partner onboarding efficiency while maintaining robust compliance. Build repeatable frameworks that enable the business to move faster. Develop template loan program agreements, disclosure packages, and servicing frameworks that accelerate new partnership launches.

Correspondent Banking Compliance

Emerging Markets Lead – Latin America, Spanish speaking

Senior Counsel, Strategic Partnerships – Payments

Senior Counsel, Strategic Partnerships – Lending