• Provide expert advice on a range of capital markets transactions in jurisdictions around the globe, including debt financings, loan origination partnerships, forward flows, stablecoin and crypto denominated facilities and other asset-based financings • Draft, review, and negotiate a wide range of legal documents, including commercial contracts • Assist with corporate governance matters, board management, and ensure compliance with all corporate foundational documents • Provide counsel and assistance with equity management (e.g. administration of cap table and employee options) • Serve as a key legal advisor on major business transactions, including fundraising rounds and joint ventures • Oversee due diligence processes and provide guidance on legal implications of business decisions • Collaborate closely with Finance, Capital Markets, Product and other cross-functional teams to support business objectives and mitigate legal risks • Develop and implement policies and procedures to ensure the legal department operates efficiently

• Read and analyze judicial and administrative proceedings (CRM); • Draft official letters, notices, agreements, emails, and other extrajudicial documents; • Conduct research and draft responses for client advisory services; • Represent clients at hearings in judicial and administrative proceedings.

Role Description As a Senior Legal Counsel, Capital Markets, you will support the execution of key financing transactions and provide practical legal guidance across investor-facing activities. You’ll work cross-functionally to help scale processes and ensure consistency across a growing set of products and funding structures. - Support capital markets and finance teams on purchase and sale agreements, securitizations, and other liquidity arrangements, as well as day-to-day legal support. - Draft, review, and negotiate transactional documents with institutional investors, including asset managers, private equity firms, hedge funds, and pension funds. - Partner with internal stakeholders and external counsel to support structuring and execution of securitization transactions, including pass-through and asset-backed structures. - Contribute to managing deal flow, timelines, and documentation across multiple concurrent transactions. - Collaborate with legal, product, and regulatory teams to ensure consistency across agreements and alignment with evolving requirements. - Maintain and improve transaction templates and processes to support efficient and scalable execution. - Provide guidance on legal risks and contribute to internal education on capital markets topics. Qualifications - Juris Doctor (J.D.) degree and active membership in at least one U.S. state bar. - 7+ years of legal experience in structured finance, debt finance, capital markets, or a related practice area. - Experience drafting and negotiating transactional agreements in financing or capital markets contexts. - Experience supporting securitization transactions or similar structured finance arrangements. - Experience working with cross-functional stakeholders and external counsel on complex transactions. Requirements - Experience working at a fintech or lending-focused company. - Knowledge of asset-backed securitizations and capital markets structures. - Ability to manage multiple transactions with competing priorities and timelines. - Skills in developing or improving legal templates and transaction processes. - Ability to communicate legal concepts clearly to business and non-legal stakeholders. Benefits - Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly. - Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada). - Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only). - Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. - Health Savings Account contributions from Upstart for eligible plans (US only). - Income protection benefits, including life insurance and disability coverage for added financial security. - Paid time off, sick leave, and company holidays, in line with local requirements. - Paid family and parental leave to support caregiving and major life moments (duration varies by country). - Family-centered benefits to support fertility, parenthood, and caregiving needs. - Employee Assistance Program (EAP) offering mental health support and life-centered resources. - Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only). - Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you. - Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from. - Connection and community through team events, all-company updates, and employee resource groups (ERGs). - Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).

Role Description The Associate Policy Counsel position is a legal role that works closely with the senior underwriting team members to draft policy wording and related documents for Transactional Liability insurance products underwritten by Ethos, including Representations and Warranties Insurance, Tax Liability Insurance, and other bespoke products. The Associate Policy Counsel serves as the legal subject matter expert for Ethos insurance products through a combination of transactional, compliance, and regulatory/legal expertise and will be responsible for developing policy wording and advising the Ethos team on underwriting, coverage, and compliance matters. This is an exciting opportunity to join an entrepreneurial-minded business in a fast-paced environment with exposure to all aspects of commercial specialty insurance. Essential Functions and Basic Duties - Drafting and negotiating policy language for primary and excess buyer- and seller-side Representation and Warranties Insurance policies, Tax Liability Insurance policies, and Canadian Indigenous Land Claims Insurance. - Reviewing bound insurance policies prior to issuance to policyholders to ensure compliance with applicable insurance law, regulatory requirements, and contractual obligations across relevant jurisdictions. - Reviewing non-disclosure agreements and other contracts in support of the underwriting team. - Collaborating with Senior Counsel and Underwriting Counsel to develop policy wording. Qualifications - Strong written skills; highly proficient in drafting of legal and commercial documents. - Detailed understanding of complex corporate structuring and financing arrangements. - Ability to engage effectively with sophisticated commercial and legal counterparties. - Highly focused, enthusiastic, and creative thinker and self-starter. - Strong interpersonal skills and ability to collaboratively work in a team setting. - Ability to work in a fast-paced environment with competing priorities, with strong time management skills. Requirements - J.D. from a recognized law school, LL.B., or equivalent Canadian or international law degree. - 2+ years of relevant experience in insurance law, transactional insurance, corporate finance, or other M&A-related legal experience. - Specific experience with the insurance sector or other financial institutions is a strong plus. - Familiarity with Canadian insurance regulatory frameworks is an asset. Technical Skills & Knowledge - High competency in understanding complex corporate M&A transactions and drafting transaction documents (familiarity with R&W insurance policies is a plus). - Strong negotiating skills. - Specific knowledge of transactional legal exposures (warranty breaches, tax structuring issues, litigation, and computation and measure of damages). Benefits - The position is fully remote, but Ethos has an office in Toronto if a hybrid arrangement is preferred.