Column

Role Description At Column, we’re looking for a senior lawyer excited to own strategic partnerships end to end, from the first "we want to build with Column" conversation through drafting, signing, launch, and ongoing expansion. Instead of handing the work off to a relationship manager or a separate product team, you're the through-line. You will architect novel partnership structures that enable modern banking experiences and shape how we build and launch unique products, navigating complex regulatory requirements along the way. - Work closely with Go-to-Market, Engineering, Finance, Risk and Compliance. - Direct impact on how bespoke financial products are built and delivered at scale. - Access to leadership and ability to shape Column’s approach to complex partnership agreements, product development, and regulatory compliance. - Drive strategy and execution from start to finish. - Collaborate with fintech partners on novel products and rapid-fire ideas for new features. Qualifications - Currently licensed in a U.S. state, J.D. or equivalent. - 7–15+ years as a practicing lawyer; priority given to candidates with both law firm and in-house experience at a fintech and/or financial institution. - Deep expertise counseling product teams on banking infrastructure and embedded finance solutions. - Ability to independently draft and negotiate complex commercial agreements. - Comprehensive knowledge of the regulatory framework governing banking partnerships and fintech services. - Deep working knowledge of TILA/Regulation Z, ECOA/Regulation B, FCRA, UDAAP, state usury laws, and more. - Experience structuring agreements and advising on bank-fintech lending partnerships. - Proven ability to manage a high volume, cross-functional workload without sacrificing quality or speed. Requirements - Experience in consumer and/or commercial lending regulatory frameworks. - Familiarity with loan sale, participation, and servicing agreements. - A strong desire to work at the center of fintech/bank innovation. - Comfort and experience making fast, sound, and supported risk decisions. Benefits - Comprehensive health, dental, and vision plans, including options that are 100% covered by Column for you and your dependents. - Comprehensive family planning and fertility benefits via partnership with Carrot, including reimbursement of up to $20,000 in qualified expenses. - FSA and HSA account options to enable use of pre-tax money for medical and dependent care expenses. - 401k plan, including self-directed brokerage options. - Flexible time-off policy - take the time off that you want and need to relax and recharge. - 100% paid parental leave, including 16 weeks for birth mothers, 12 weeks for primary caregivers, and 8 weeks for secondary caregivers. - Catered lunches and dinners for SF employees. - Commuter benefits. - Regular team building events, including annual offsite.

Role Description At Column, we’re looking for a senior lawyer excited to own strategic partnerships end to end, from the first "we want to build with Column" conversation through drafting, signing, launch, and ongoing expansion. Instead of handing the work off to a relationship manager or a separate product team, you're the through-line. You will architect novel partnership structures that enable modern banking experiences and shape how we build and launch unique products, navigating complex regulatory requirements along the way. You'll work closely with Go-to-Market, Engineering, Finance, Risk and Compliance and have a direct impact on how bespoke financial products are built and delivered at scale. Your unique perspective, drawn from past experience launching payments products, will allow you to navigate complex regulatory environments while maintaining Column’s competitive edge. This role offers direct access to leadership and the ability to shape Column’s approach to complex partnership agreements, product development and regulatory compliance. You’ll be responsible for driving strategy and execution from start to finish, working closely with our fintech partners on everything from novel products to rapid-fire ideas for new features, delivery channels, product structures and UX changes. This role reports directly to the Bank’s General Counsel. What You’ll Do - 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. - 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. - Anticipate challenges and architect 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 expertise in Reg E, NACHA rules, card network rules, money transmission, TISA, Reg CC, UCC Article 4A, and 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. Qualifications - Currently licensed in a U.S. state, J.D. or equivalent, with 7–15+ years as a practicing lawyer; priority given to candidates with both law firm experience and in-house experience at a fintech and/or a financial institution. - Deep expertise counseling product teams on banking infrastructure and embedded finance solutions, with particular depth in payments, money transmission, and money-movement regulatory frameworks. - Ability to independently draft and negotiate complex commercial agreements, with a strong understanding of both contract law and commercial transactions. - Comprehensive knowledge of the regulatory framework governing banking partnerships and fintech services. - Deep working knowledge of NACHA rules, card network operating regulations, Regulation E, UCC Article 4A, BSA/AML requirements, and OFAC sanctions frameworks as they apply to payment products. - Experience structuring agreements and advising on payment processing agreements, funds-flow structures, settlement mechanics, and chargeback/dispute frameworks. - Proven ability to manage a high volume, cross-functional workload without sacrificing quality or speed. - A strong desire to work at the center of fintech/bank innovation, coupled with comfort and experience making fast, sound, and supported risk decisions, especially where the legal landscape isn’t black and white. Benefits - Comprehensive health, dental, and vision plans, including options that are 100% covered by Column for you and 100% covered for your dependents! - Comprehensive family planning and fertility benefits via partnership with Carrot, including reimbursement of up to $20,000 in qualified expenses. - FSA and HSA account options to enable use of pre-tax money for medical and dependent care expenses. - 401k plan, including self-directed brokerage options. - Flexible time-off policy - take the time off that you want and need to relax and recharge. - 100% paid parental leave, including 16 weeks for birth mothers, 12 weeks for primary caregivers, and 8 weeks for secondary caregivers. - Catered lunches and dinners for SF employees. - Commuter benefits. - Regular team building events, including annual offsite.

Role Description We're hiring a strategic deals person to own high-value relationship development and deal execution across Column's most important partnerships. You'll drive the full commercial cycle — from identifying and qualifying strategic accounts to structuring and closing agreements with companies building financial products on Column's API infrastructure. Success looks like a portfolio of trusted, long-term partnerships and a consistent track record of closing complex, high-impact deals. This role reports to the Head of Sales & Partnerships and is based in San Francisco or remote, with ~50% travel expected, always dependent on deal needs. What you’ll do: - Deal Execution: - Run the full sales cycle: discovery, scoping, negotiation, and close across complex, multi-stakeholder organizations. - Navigate procurement, compliance, legal, and technical stakeholders simultaneously; proactively identify and overcome blockers before they stall deals. - Partner with Solutions Engineering, Legal, Risk, and Compliance to structure solutions that address novel customer use cases. - Market & Product Expertise: - Develop deep fluency in Column's API suite and how it applies across financial services use cases; position yourself as a credible thought partner for prospects' Product and Compliance teams. - Maintain a strong pulse on market dynamics, competitive positioning, and regulatory developments affecting Column's target customers. - Pipeline Development: - Build and maintain account plans with clear milestones, stakeholder maps, and commercial targets. - Source and qualify new opportunities through outbound prospecting, industry relationships, and market intelligence — you're building pipeline, not waiting for it. - Team & Playbook Building: - Contribute to the development of Column's sales playbook — deal structures, qualification frameworks, and processes that the broader team can learn from and build on. - Operate in accordance with safe and sound business practices and applicable regulatory requirements. Qualifications - Minimum 5+ years (ideally 8+ years) in strategic partnerships, business development, strategic accounts sales, or a commercial-adjacent function. - Proven ability to run structured, autonomous deal cycles from pipeline generation through close. - Demonstrated ability to navigate large, multi-stakeholder organizations. - Subject matter credibility in your space — prospects and partners seek out your perspective. - High agency and a builder's orientation. - Competitive, curious, and coachable — you solicit feedback, iterate quickly, and hold yourself to a higher standard than anyone else would. Requirements - Direct experience selling into or partnering with financial services companies; familiarity with embedded finance, APIs, or regulated product environments strongly preferred. Benefits - Comprehensive health, dental, and vision plans, including options that are 100% covered by Column for you and 100% covered for your dependents! - Comprehensive family planning and fertility benefits via partnership with Carrot, including reimbursement of up to $20,000 in qualified expenses. - Up to $2,000 (post-tax) monthly rent subsidy for employees living within 2 miles of Column’s office. - FSA and HSA account options to enable use of pre-tax money for medical and dependent care expenses. - 401k plan, including self-directed brokerage options. - Flexible time-off policy - take the time off that you want and need to relax and recharge. - 100% paid parental leave, including 16 weeks for birth mothers, 12 weeks for primary caregivers, and 8 weeks for secondary caregivers. - Up to $4,500 in annual reimbursements for backup childcare. - Catered lunches and dinners for SF employees. - Commuter benefits. - Regular team building events, including annual offsite. Pay transparency The annual OTE range for this position is $275,000 - $375,000 + equity. The range provided is the role’s On Target Earnings ("OTE") range, which is inclusive of base salary and incentive compensation. We look forward to hearing from you Column is committed to working with the best and brightest people from the broadest talent pool possible. We value bringing together a team with different perspectives, educational backgrounds, and life experiences, and believe a diversity of ideas is what allows us to develop the best solutions. All qualified individuals are encouraged to apply. If you need assistance or a reasonable accommodation during the application and recruiting process, please reach out to accommodations@column.com. We participate in the E-Verify program in certain locations as required by law.

• 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

• 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 the 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. • 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. • 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.

• Own, maintain, and improve core data systems including dbt, Stitch, and the BigQuery data warehouse sourced from NoSQL datasets (e.g., Firestore). • Develop reliable, well-documented data models, transformations, and ELT pipelines supporting revenue, operational, and financial reporting. • Implement and maintain data quality and observability frameworks, including dbt tests, schema-change monitoring, and pipeline alerts. • Be the BigQuery expert to apply version control, documentation, naming conventions, and workflow best practices for long-term maintainability. • Build, maintain, and optimize Google Looker Studio dashboards, ensuring accuracy and usability. • Perform ongoing dashboard maintenance, enhancements, and metric updates as business needs evolve. • Build and maintain recurring operational reports, including those used for enterprise customer audits and sales pipelines. • Partner closely with Finance, Operations, and Customer-facing teams to translate business needs into actionable analytics and data workflows.

• Design, build and scale the systems that power our publishing platform • Establish and enforce repeatable, scalable engineering patterns • Lead development for backend services and integrations • Work alongside a small, senior-leaning team • Collaborate with customer-facing teams and peers • Work in areas outside of your usual comfort zone and show motivation for learning

About Column For companies building financial technology and transforming the financial services space, the biggest bottleneck to their growth and innovation is often the underlying banks and infrastructure stack they rely on. We have spent our careers founding and scaling companies like Plaid, Square, Meta, Blend, and Affirm, and have seen this problem firsthand — builders and developers needing to partner with traditional banks, and creating API and abstraction layers over the patchwork that is the bank, its core, and many other vendors. All of this results in a complex (and often expensive) banking supply chain involving a user, fintech, BaaS middleware provider, bank, core and the Federal Reserve. At Column, we set out to simplify and fix this. We are a bank and a software company built from the ground up, offering builders and developers technology-forward banking solutions that cut out the hundreds of vendors, middleware providers, and abstraction layers. This means a safer, more transparent, and less costly banking supply chain. Come build with us! The opportunity We’re hiring for a Digital Assets Compliance role to operate Column’s compliance framework for its crypto products. The GENIUS Act and other federal guidelines have made it clearer how and what a Bank can provide regarding digital asset services. Column is looking for someone to execute investigations and support the ongoing development of practical systems that protect the bank while enabling innovation. If you have experience monitoring and analyzing cryptocurrency transactions using best-in-class blockchain investigations tools, we want to talk to you. This isn't a box-checking compliance role. We need a builder who understands that compliance done right is a competitive advantage — it unlocks partnerships, accelerates product velocity, and builds trust with regulators. You'll work directly with our product, engineering, and risk teams to manage systems that scale, not just procedures that look good on paper. What this role is: This role will serve as a subject matter expert with deep specialization in digital assets. You'll be embedded within our financial crimes team, developing how the bank will monitor and control for the AML and sanctions risks related to the bank’s stablecoin infrastructure, payment rails, and crypto-enabled banking products. What this role is NOT: This is not a securities or broker-dealer compliance role. We're not looking for expertise in custody, capital markets, or investment products. Many crypto compliance professionals to date have focused on securities regulations for trading platforms and custodial services. We need someone who understands the AML and sanctions tooling and controls for payments and how digital assets interact with traditional payment systems — not someone who's spent their career navigating SEC rules for crypto exchanges. This position will report directly to the Bank’s Chief Compliance Officer, and the individual in the role must be willing to work in person in our Presidio-based office in San Francisco (3-4 days/week). What you’ll do Run crypto investigations Perform extensive investigations related to transaction monitoring and screening 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; Review transaction and wallet screening reports for potential OFAC violations and report potential true positives to the BSA Officer; Operate compliance infrastructure Operate the AML/BSA monitoring capabilities for stablecoin and crypto payment products in accordance with the GENIUS Act and Bank Secrecy Act requirements and the Bank’s existing AML program 🚆 Commuter benefits, including paid transportation to-and-from the office 🎉 Regular team building events, including annual offsite Pay transparency: Compensation packages at Column include base salary, equity, and benefits. New hire offers are made based on a candidate's experience, expertise, geographic location, and internal pay equity relative to peers. The annual base salary range for this role is $165,000 - $220,000 + equity. We look forward to hearing from you Column is committed to working with the best and brightest people from the broadest talent pool possible. We value bringing together a team with different perspectives, educational backgrounds, and life experiences, and believe a diversity of ideas is what allows us to develop the best solutions. All qualified individuals are encouraged to apply. If you need assistance or a reasonable accommodation during the application and recruiting process, please reach out to accommodations@column.com. We participate in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program here.