Column

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.

Senior Counsel, Strategic Partnerships – Lending

Financial Crime

• Perform extensive investigations related to transaction monitoring and customer due diligence that could implicate potential money laundering, fraud, or terrorist financing
• Prepare and document triage investigations and their dispositions according to FINCEN/FFIEC expectations and Bank Procedures
• Prepare detailed escalation and dismissal narratives per FFIEC expectations and Bank procedures
• Maintain organized documentation related to financial crimes activities, including investigations, audits, and regulatory exams
• Perform day-to-day activities consistent with safe and sound business practices and regulatory requirements

AML Analyst

• Own complex agreements end-to-end: Structure, draft, and negotiate complex customer, and vendor, and third-party agreements covering a broad range of banking products and services, including agreements related to payments and money movement service and banking partnerships inclusive of deposit account, card, and lending programs.
• Build and manage legal playbooks and templates that scale: Develop and maintain templates and inventories of contracts, terms of services, notices, and disclosures for the Bank’s products, services, and distribution channels that enable speed without sacrificing quality.
• Negotiate: Lead complex negotiations with high-growth fintechs and enterprise customers, balancing commercial priorities with regulatory requirements.
• Develop strong cross-functional partnerships: Work closely with our Sales and Business teams to understand the Bank’s goals, strategy, and risk tolerance for each deal in order to develop an efficient and risk-based contracting strategy.
• Expand into additional areas of law: support your legal colleagues with novel research, product and regulatory advice, exam management, subpoena responses, litigation deliverables, and corporate governance materials.
• Help us level up how Legal operates: Serve as a thought partner to the business and legal to support Column's ongoing growth through improvements to bank agreements, policies, and legal processes.

Senior Counsel, Strategic Partnerships – Payments

Senior Counsel, Strategic Partnerships – Lending

AML Analyst

Senior Counsel, Commercial and Strategic Partnerships