capital.com
Senior Legal Counsel (Payments, PSPs & EMIs)
TLDR
Lead licensing and regulatory initiatives for payment services and e-money frameworks, while mentoring juniors and driving compliance across jurisdictions.
We are a leading trading platform that is ambitiously expanding to the four corners of the globe. Our top-rated products have won prestigious industry awards for their cutting-edge technology and seamless client experience. We deliver only the best, so we are always in search of the best people to join our ever-growing talented team.
The Senior Legal Counsel (Payments, PSPs & EMIs) leads licensing and regulatory initiatives across payment services and e-money frameworks, taking full project ownership of licence applications, regulatory submissions, and ongoing compliance obligations within these specialised domains. The role requires deep technical knowledge of payment regulation across multiple jurisdictions combined with the ability to work independently on complex, multi-workstream projects with minimal supervision. The ideal candidate is a commercially minded payments lawyer who exercises sound judgment on escalation, engages confidently with internal stakeholders and external advisors, and actively contributes to the development of junior colleagues.
Responsibilities:
Requirements:
- Lead and manage full licensing projects for Payment Service Providers (PSPs), Electronic Money Institutions (EMIs), and related payment frameworks across multiple jurisdictions.
- Own preparation and submission of licence applications, regulatory filings, and related documentation end-to-end.
- Draft, review, and approve business plans, policies, manuals, governance documents, and internal procedures required for payment regulatory submissions.
- Maintain structured documentation, trackers, and version control for all assigned projects.
- Ensure payment-specific regulatory requirements are comprehensively mapped and consistently reflected in all application materials.
- Conduct complex legal and regulatory analysis across payment services frameworks, including PSD2/PSD3, EMD2, and equivalent regimes in non-EU jurisdictions.
- Identify regulatory risks, propose mitigation strategies, and escalate material issues to the Head of Licensing where required.
- Interact with payment regulators where appropriate, subject to prior approval from Head of Licensing and/or CLO.
- Provide strategic regulatory and compliance advice to internal stakeholders on payment-related matters, including scheme rules, agent/distributor arrangements, and passporting.
- Review commercial agreements with payment regulatory implications, including acquiring agreements, payment processing contracts, and banking/settlement arrangements.
- Assess new payment products and business model changes for licensing and regulatory impact, providing commercially grounded legal guidance.
- Collaborate closely with Finance, Treasury, Product, and Operations teams to align payment licensing strategy with commercial and operational objectives.
- Oversee and support work allocated to Legal Counsel(s), providing guidance, quality control, and mentorship.
- Use AI tools responsibly to enhance drafting, research, and regulatory analysis, and promote adoption of structured AI workflows within the team.
- Drive continuous improvement of licensing templates, trackers, and submission methodologies specific to the payments function.
- Minimum 5 years PQE as a qualified lawyer; prior law firm or in-house experience in payments or fintech is strongly preferred.
- Significant experience in payment services regulation, including PSP and/or EMI licensing across European or other major jurisdictions.
- Deep knowledge of PSD2/PSD3, EMD2, and/or equivalent payment regulatory frameworks; familiarity with MENA, APAC, or other non-EU payment regimes is an advantage.
- Demonstrated experience leading full licence applications across multiple jurisdictions independently.
- Experience coordinating with external legal and compliance consultants and payment scheme representatives.
- Strong drafting, regulatory interpretation, and analytical skills.
- Commercially oriented, with a solid understanding of payment business models, settlement flows, and scheme obligations.
- Proven ability to manage complex projects independently, including multi-workstream oversight.
- Ability to delegate effectively and support junior team members.
- Business-level English proficiency (B2/CEFR or above).
- Intermediate to advanced AI literacy, with structured integration into daily workflows.
What you will get in return:
• Competitive Salary: We believe great work deserves great pay! Your skills and talents will be rewarded with a salary that makes you feel valued and motivated.
• Work-Life Harmony: Join a company that genuinely cares about you - because your life outside of work matters just as much as your time on the clock. #LI-Hybrid
• Generous Time Off: Need a breather? Our annual leave policy lets you recharge and enjoy life outside of work without a worry.
• Employee Referral Program: Love working here? Share the love! Bring your talented friends on board and get rewarded for growing our awesome team.
• Comprehensive Health & Pension Benefits: From medical insurance to pension plans, we’ve got your back. Plus, location-specific benefits and perks!
• Workation Wonderland: Live your digital nomad dreams with 30 extra days to work remotely from anywhere in the world (some restrictions apply). Adventure awaits!
• Volunteer Days: Make a difference! Take two additional paid days each year to support causes you care about and give back to the community.
Be a key player at the forefront of the digital assets movement, propelling your career to new heights! Join a dynamic and rapidly expanding company that values and rewards talent, initiative, and creativity. Work alongside one of the most brilliant teams in the industry.
Benefits
Health Insurance
Comprehensive health & pension benefits: From medical insurance to pension plans, we’ve got your back. Plus, location-specific benefits and perks!
Volunteer days
Make a difference! Take two additional paid days each year to support causes you care about and give back to the community.
Paid Time Off
Generous time off: Need a breather? Our annual leave policy lets you recharge and enjoy life outside of work without a worry.
Capital.com is an innovative trading platform designed for a global audience, offering top-rated financial products that emphasize a seamless user experience. We're committed to pushing the boundaries of technology in the trading industry, making it easy for users to access the financial markets and achieve their investment goals.
- Founded
- Founded 2016
- Employees
- 201-500 employees
- Industry
- Internet Software & Services
- Total raised
- $25M raised
Senior Legal Counsel