Legal Counsel (FinTech, EMI)

PayDo, a leading Electronic Money Institution (EMI) authorised by the FCA in the UK, FINTRAC in Canada, and MFSA in Malta, operates in 140 countries and over 25 industries. Offering multicurrency IBANs, merchant solutions, and mass payment options, PayDo provides premium and convenient payment services. With all features available through one platform and contract, PayDo is a preferred solution for local and international payments. As a Legal Counsel, you will leverage your expertise in international financial regulations to ensure the company's operations adhere to all relevant legal standards.

You will be responsible for handling complex legal inquiries from regulatory bodies and financial institutions, and drafting and reviewing a wide array of legal agreements.

Your regular tasksDrive and be in charge of financial licensing processes in the EU, UK and other regionsMaintain and open a correspondent and operational bank account(s)Deal with complex legal requests and RFIs (banks, authorities)Stay abreast of all applicable financial regulations, including banking, EMIs, PISPs, AISPs, anti-money laundering (AML), know your customer (KYC), and data protection laws and implement necessary changesUpdate compliance programs according to the requirements of the company regulatorsBe in charge of regulatory reporting, AML and other relevant auditsBe in charge of company governance policies and regulatory responsibilities updatesBe in charge of the licensing process during the expansion to the new regionsRecord keeping and structuring of the company's relevant documentation and informationDevelop and implement corporate compliance and governance programs applicable to the group of companiesImprove company policies according to applicable regulatory standards across KYB, AML, Anti-Fraud and compliance functionsDraft agreements, such as NDA, MSA, Employment Agreement, Outsourcing agreement, Loan Agreement, Outstaffing Agreement, etcServe as a primary liaison for correspondence with local law firms, auditors, and regulatorsConduct audits before relationships with third-party vendors, service providers, financial providers, banks, payment systems and partnersReport regularly to the CEO and head of operations on regulatory issues and/or proposalsLead the response to crises and emergencies, maintaining business continuity and minimising risksSkills & expectationsMinimum of 3 years of experience in a Legal Counsel/ Legal Advisor/Lawyer position in regulated companies, with a track record of acquiring and maintaining EU/UK EMI, bank, payment companies or PI licensesUnderstanding of international corporate law, general tax principles, due diligence for corporate entities, and EU licensing and compliance principlesProven experience in enhancing company compliance with regulatory obligations, ideally having worked in organisations that transitioned from startup to established enterprise levelsExperience opening international bank accounts, correspondent bank accounts, and communication with regulatorsExperience drafting agreements, such as NDA, MSA, Employment Agreement, etcExperience dealing with audits, correspondent and corporate bank accounts, etcFluent level of English proficiency, fluent level of Ukrainian or Russian languages Master's degree in lawAs a plusKnowledge of the regulatory framework in Malta or experience working with the MFSAFamiliarity with the legal aspects of digital payments, anti-fraud measures, and transaction monitoringWhat's In It For YouAt PayDo, specialists are at the heart of our innovation and success.

Joining our team means accessing unparalleled opportunities to grow, contribute, and thrive in a dynamic FinTech environment. Empowerment Through Professional Development: Yearly allocation for advancing your professional expertiseUnlock Your Potential: Transparent career growth with opportunities to achieve Lead roles within 1 year, Head roles in 2 years, and even C-level within 4 years, based on exceptional performancePerformance reviews are anchored in KPIs, ensuring recognition is merit-basedMake a Lasting Impact: Work on unique projects where your contributions can reshape company-wide processesBring your ideas to the table and earn exceptional bonuses through our PayDo Ideas HubFlexible and People-Centric Culture:

Days of paid vacation annually, with the flexibility to transfer unused days or receive compensationDays of paid sick leave annually, accommodating emergencies and medical needsAdditional holidays aligned with your local calendarCompensation & Incentives: Multiple payment options, including Private Entrepreneurship accounts or popular e-walletsOur Values: At PayDo, we live by principles that drive us to excellence: Ownership & Initiative: Specialists who take charge and make a differenceCollaboration & Communication: Together, we achieve more by sharing ideas and insightsBecome part of a global team redefining FinTech. Your expertise, passion, and ideas will shape the future of payments with PayDo!