Product and Regulatory Counsel

ABOUT RAMP Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $100B in annualized spend flows in and out of 50,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. ABOUT THE ROLE As Product and Regulatory Counsel, you will help Ramp design and launch our ever-growing lineup of domestic and international regulated financial products, including treasury, investment accounts, and money movement products. You will partner with Product, Compliance, Risk, Engineering, Partnerships, Marketing, Finance, and other business teams to provide practical, actionable legal and regulatory advice through all phases of the product life cycle, from ideation through launch and beyond. WHAT YOU'LL DO - Embed with cross-functional teams to build, launch, market, and operate new regulated fintech products - Analyse regulatory and licensing implications of new products and services; partner with regulatory on new license applications - Interface with regulators on new product approvals, requests for information, license applications, and regulatory examinations - Structure and negotiate complex partnerships with financial institutions, payment services providers, technology platforms and other entities that provide or support financial services - Support marketing teams, develop content policies, and review marketing collateral - Provide guidance on state, federal and international regulatory, privacy, intellectual property, and other legal issues, and their implications on product development and marketing strategies - Draft policies and procedures for regulated financial products - Help select and manage outside counsel WHAT YOU NEED - J.D. with a strong academic background and the highest level of integrity - Membership in at least one state bar (NY or CA preferred); if not licensed in the state where you will be based, ability to register as in-house counsel - At least 3-5 years of legal experience - Experience as product or regulatory counsel for a fintech or technology company, and/or at a top law firm, preferred - Desire to learn quickly, work collaboratively, take ownership, and act as a legal generalist - Ability to understand complex business and regulatory issues and translate them into actionable guidance - Ability to thrive in a fast-paced environment, handle multiple cross-functional projects simultaneously, and manage resource allocation to focus on the highest-priority needs BENEFITS (FOR U.S.-BASED FULL-TIME EMPLOYEES) - 100% medical, dental & vision insurance coverage for you - Partially covered for your dependents - One Medical annual membership - 401k (including employer match on contributions made while employed by Ramp) - Flexible PTO - Fertility HRA (up to $10,000 per year) - Parental Leave - Unlimited AI token usage - Pet insurance - Centralized home-office equipment ordering for all employees - Health and Wellness stipend - In-office perks: lunch, snacks, drinks, and more - Budget for intra-office travel - Relocation support to NYC or SF (as needed) REFERRAL INSTRUCTIONS If you are being referred for the role, please contact that person to apply on your behalf. OTHER NOTICES Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. Beware of recruiting scams: Ramp will only contact you through official @Ramp.com http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process. Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice