International FinTech Counsel

Toast creates technology to help restaurants and local businesses succeed in a digital world, helping business owners operate, increase sales, engage customers, and keep employees happy. Through its FinTech business line, Toast offers its customers and their guests access to a wide range of financial products and services, including payment processing, commercial loans, banking products (high-yield savings accounts, debit cards, and more), purchase financing options, and more! As we expand our product line internationally, we are hiring an experienced, mid-level attorney with knowledge of multi-jurisdictional payments and banking regulations to join our Legal team. In this role, you will provide transactional and regulatory legal support to a passionate and enthusiastic team of business partners around the world, and help design creative and compliant commercial and consumer financial products for restaurants, staff, and guests. As an International FinTech Counsel, you will have the ability to lend subject matter expertise on existing products and expose you to totally new ones, and you’ll do everything in a fun and collaborative environment that values your insights, creative thinking, and intellectual curiosity. This position reports to Toast’s Assistant General Counsel, FinTech. Note: Our Legal & Compliance teams are primarily concentrated in Boston, New York, Washington D.C., San Francisco, and Chicago. Candidates residing in these areas will be prioritized, as they will benefit from closer proximity to colleagues and greater access to company resources and events. A day in the life (Responsibilities) Advise a wide range of cross-functional business stakeholders on multi-national financial laws and regulations to facilitate the fast-paced expansion of Toast’s payments and banking products and services into new international territories Draft and negotiate strategic partnership agreements and other commercial contracts with financial institutions, third-party providers of financial services (including payment processors), card networks, and merchants Research, analyze, and respond to legal and regulatory questions regarding a variety of financial products and services across multiple geographies in various stages of roll-out Represent Legal on cross-functional teams to help design and implement cutting-edge financial products, identify creative solutions to unique use cases and escalated issues, and ensure compliance with applicable laws, regulations, partner contracts, and card brand rules Review multi-channel advertising materials for compliance with applicable laws and best practices, and provide feedback and guidance to Marketing team stakeholders What you'll need to thrive (Requirements) A degree from an ABA-accredited law school, or the equivalent in your jurisdiction, and meet all professional and legal requirements necessary to practice in-house law in your jurisdiction 5+ years of legal experience advising corporate clients on international financial products and services. Must have experience with financial services regulations in one or more of the following locations: UK, Ireland, Canada, and/or Australia Experience leading negotiations and drafting commercial agreements and consumer terms of service within the financial services industry Strong knowledge of financial laws and regulations and best practices across multiple international territories, including applicable jurisdictional laws related to banking products, consumer protection, extensions of credit, flows of funds (including money transmission), and card association and payment network rules Experience overseeing the expansion of numerous financial products and services into new global territories and ability to manage multiple implementations at once Subject matter expertise in the payments space and experience with banking products *Mortgage + auto financing, cryptocurrency, and investment products are not applicable Comfort and experience working in a hyper-fast paced environment, and the ability to role with change AI at Toast At Toast, one of our company values is that we're hungry to build and learn. We believe learning new AI tools empowers us to build for our customers faster, more independently, and with higher quality. We provide these tools across all disciplines, from Engineering and Product to Sales and Support, and are inspired by how our Toasters are already driving real value with them. The people who thrive here are those who embrace changes that let us build more for our customers; it’s a core part of our culture. Our Total Rewards Philosophy We strive to provide competitive compensation and benefits programs that help to attract, retain, and motivate the best and brightest people in our industry. Our total rewards package goes beyond great earnings potential and provides the means to a healthy lifestyle with the flexibility to meet Toasters’ changing needs. Learn more about our benefits at https://careers.toasttab.com/toast-benefits. The base salary range for this role is listed below. The starting salary will be determined based on skills, experience, and geographic location. In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions if eligible), equity, and benefits. You can learn more about how we align pay with local labor markets in our Geographic Pay Zone Philosophy. Zone A $205,000—$249,000 USD Zone B $178,000—$232,000 USD Zone C $160,000—$218,000 USD How Toast Uses AI in its Hiring Process Throughout the hiring process, our goal is to get to know you. We use AI tools to support our recruiters and interviewers with tasks like note-taking, summarization, and documentation of interviews to ensure they can be fully focused on your conversation. All hiring decisions are made by people. Diversity, Equity, and Inclusion is Baked into our Recipe for Success At Toast, our employees are our secret ingredient—when they thrive, we thrive. The restaurant industry is one of the most diverse, and we embrace that diversity with authenticity, inclusivity, respect, and humility. By embedding these principles into our culture and design, we create equitable opportunities for all and raise the bar in delivering exceptional experiences. We Thrive Together We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs. Our goal is to build a strong culture of connection as we work together to empower the restaurant community. To learn more about how we work globally and regionally, check out: https://careers.toasttab.com/locations-toast. Apply today! Toast is committed to creating an accessible and inclusive hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you need an accommodation to access the job application or interview process, please contact candidateaccommodations@toasttab.com. ------ For roles in the United States, it is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.